The IRMAA Calculator
That Will Change
Your Practice
Nothing like this has ever been built. Our IRMAA Calculator is the most sophisticated, multi-variable Medicare surcharge tool ever created for advisors. It does not just show brackets. It models your client's entire retirement income picture and shows exactly what IRMAA will cost them, year by year, decision by decision.
Professional subscription platform. Currently in development. Join the waitlist to be first.
5
IRMAA tiers modeled
2yr
Lookback projection built in
∞
Income scenarios per client
$0
Extra cost to your clients
Every advisor knows IRMAA matters. Nobody has a real tool for it.
Most advisors are not planning for IRMAA at all when working with their clients. Those who are have been working with static bracket tables, manual spreadsheets, and generic calculators that do not account for the full complexity of a client's retirement income picture. That stops here.
What advisors have been using
- ✕Most aren't planning for IRMAA at all. Clients get blindsided by the bill
- ✕Static bracket tables that require manual lookup
- ✕Spreadsheets with no scenario modeling
- ✕Generic calculators that ignore the two-year lookback
- ✕Tools that show one bracket, not multi-year impact
- ✕No integration of RMDs, Roth conversions, or capital gains
- ✕No cliff-edge proximity warning for clients near a threshold
What our IRMAA Calculator delivers
- ✓Dynamic multi-variable income modeling per client
- ✓Two-year lookback projection built into every calculation
- ✓RMD, Roth conversion, and capital gains scenario modeling
- ✓Multi-year IRMAA cost projections across retirement
- ✓Cliff-edge alerts when a client is near a bracket threshold
- ✓Life event modeling (divorce, death of spouse, income changes that qualify for SSA-44 appeal)
- ✓Downloadable client-ready PDF reports
- ✓And much more!
Built for the complexity your
clients actually live in.
Built for the complexity
your clients actually
live in.
No client has a simple income picture. Our IRMAA calculator was built for advisors from the ground up to reflect that reality.
Multi-Variable Income Engine
Input wages, Social Security, pensions, IRA distributions, RMDs, Roth conversions, capital gains, rental income, and more. Our IRMAA Calculator handles it all simultaneously and shows the real MAGI.
Core engineTwo-Year Lookback Projector
Every calculation accounts for the two-year lag. See not just what your client owes now, but what their decisions today will cost them in Medicare premiums two years from now.
Built inCliff-Edge Proximity Alerts
Instantly see how close a client is to the next IRMAA threshold. One penny over a cliff costs thousands. Our IRMAA Calculator flags danger zones so you can act before it is too late.
Real-time alertsRoth Conversion Modeler
Model the IRMAA impact of Roth conversions at different amounts and in different years. See the two-year cost before your client pulls the trigger on a conversion that could spike their premiums.
Scenario modelingClient-Ready PDF Reports
Generate downloadable, professionally formatted reports your clients can understand and act on. Plain language that builds trust and drives action, at no cost to your clients.
DownloadableMulti-Year Retirement Projection
See IRMAA cost projections across multiple years of retirement. Show clients the cumulative impact of their income decisions over a 10, 15, or 20 year retirement horizon.
Long-range viewNothing on the market
comes close.
We built this because nothing else existed. Here is how our IRMAA Calculator compares to what advisors have been forced to use until now.
Access our IRMAA Calculator and client
reporting tools through a subscription.
Access our IRMAA Calculator
and client reporting tools
through a subscription.
Choose the plan that fits your practice. Both plans give advisors access to the most powerful IRMAA planning tool ever built.
- Multi-variable income modeling engine
- Two-year lookback projection
- Cliff-edge proximity alerts
- Roth conversion modeler
- Life event modeling (divorce, death of spouse)
- Multi-year retirement projections
- Downloadable client PDF reports
- 2026 brackets pre-loaded, updated annually
- And much more!
- Everything in IRMAA Calculator
- Client relationship management (CRM)
- Automated client workflows
- Marketing and outreach tools
- Priority support and onboarding
- Operate your practice like a business
- And much more!
All features described are subject to change prior to launch. This tool is for educational and planning purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional before making decisions based on calculator outputs.
The IRMAA Calculator is just the beginning.
Our IRMAA Calculator gives you the most powerful Medicare surcharge planning tool ever built for advisors. But we are also developing a full advisor business platform built for the advisors who want to operate like a business, not just deliver reports.
CRM Built for Advisors
Track client Medicare timelines, IRMAA exposure, and planning milestones in one place. Never miss a critical two-year planning window again.
Automated Client Workflows
Trigger outreach, alerts, and review cycles automatically based on client data. Spend less time managing and more time advising.
Marketing and Outreach Tools
Reach the right clients at the right time with IRMAA-specific educational content and outreach campaigns built into the platform.
Practice Analytics
See which clients are approaching IRMAA thresholds, track your book of business for Medicare risk, and prioritize your planning calendar.
Client-Facing Reports
Deliver branded, plain-language IRMAA reports directly to clients from within the platform. No extra software required.
Annual Bracket Updates
Every year when CMS publishes new IRMAA thresholds, the platform updates automatically. Your calculations always reflect current rules.
The advisor platform is a separate subscription from our IRMAA Calculator. Join the waitlist to be notified when both products launch and to receive early access pricing.