IRMAA bracket planner

A dollar of extra income can cost hundreds in Medicare surcharges. Show clients exactly which IRMAA tier they're in — and how much headroom is left before the next one.

1 · Make the call

Send the IRMAA year, filing status, and MAGI to /v1/medicare/irmaa.

curl -X POST https://api.numeratica.com/v1/medicare/irmaa \
  -H "Authorization: Bearer nmr_sk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{ "irmaa_year": 2026, "filing_status": "mfj", "magi": 280000 }'

2 · The response

The tier, the monthly and annual surcharge, the Part B / Part D breakdown, and the MAGI headroom to the next tier.

{
  "result_id": "irmaa_3ded3b9077e59436",
  "engine_version": "irmaa-1.0.0",
  "result": {
    "tier": 2,
    "part_b_standard": 202.90,
    "part_b_surcharge": 202.90,
    "part_d_surcharge": 37.50,
    "part_b_total": 405.80,
    "monthly_surcharge": 240.40,
    "annual_surcharge": 2884.80,
    "headroom_to_next_tier": 62000,
    "top_tier": false
  },
  "disclaimer": "Calculation engine output for informational purposes only; not financial or tax advice."
}

3 · Render it

A surcharge card with a headroom warning — the kind of thing that earns a planner their fee.

<div style="font-family:-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;max-width:440px;border:1px solid #e6e9ef;border-radius:14px;overflow:hidden;color:#1a2230">
  <div style="background:#fffbeb;padding:16px 20px;border-bottom:1px solid #e6e9ef">
    <span style="display:inline-block;background:#b45309;color:#fff;font-size:12px;font-weight:700;padding:3px 11px;border-radius:999px;letter-spacing:.04em">IRMAA · TIER 2</span>
    <div style="color:#5b6675;font-size:13px;margin-top:12px">Medicare surcharge (per beneficiary)</div>
    <div style="font-size:34px;font-weight:700;color:#b45309;line-height:1.1">$240.40<span style="font-size:16px;color:#9aa3b0;font-weight:600"> /mo</span></div>
    <div style="color:#5b6675;font-size:13px">$2,884.80 per year</div>
  </div>
  <div style="padding:8px 20px 14px;font-size:14px">
    <div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">Part B total</span><strong>$405.80/mo</strong></div>
    <div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">Part D surcharge</span><strong>$37.50/mo</strong></div>
    <div style="display:flex;justify-content:space-between;padding:7px 0"><span style="color:#5b6675">Headroom to Tier 3</span><strong style="color:#b45309">$62,000 MAGI</strong></div>
  </div>
  <div style="padding:10px 20px;color:#9aa3b0;font-size:11px;border-top:1px solid #f1f3f7">2026 · MFJ · MAGI $280,000 · result_id irmaa_3ded3b9077e59436 · not tax advice</div>
</div>

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