Tools / Medicare timing

Your Medicare timing & IRMAA outlook

Find your IRMAA tier and see what optimizing your plan could change. Educational only — not personalized advice.

Your numbers

Filing status

Current MAGI (modified adjusted gross income)Roughly your gross income plus tax-exempt interest. A close estimate is fine.

Expected MAGI in 2 yearsA rough guess is fine — this just shows whether you're trending toward a higher tier.

Current ageIRMAA only applies once you're on Medicare (65+) — we'll note how far off that is.

Already have a RetireLab projection? Open your projection instead — we'll pull your numbers automatically and unlock the optimization comparison if you're Pro.