Is there an accurate MAGI calculator online? Trying to calculate the max I can rollover to my Roth IRA without exceeding the $182000 Medicare maximum income allowed?

[rjs]

MAGI is calculated differently for different purposes. There are about a dozen different definitions of MAGI, depending on what it is being used for. MAGI for the increased premiums for Medicare Parts B and D is different from MAGI for the Roth IRA contribution limit. So there can't be one calculator for all the different ways of calculating MAGI.

MAGI for increased Medicare premiums ("IRMAA") is simply AGI plus tax-exempt interest. But your IRMAA is based on your MAGI from two or three years ago. For example, your IRMAA for 2023 will usually be based on your 2021 tax return, or possibly your 2020 tax return. On your 2020 or 2021 tax return, the MAGI for IRMAA is Form 1040 line 11 plus line 2a.

Calculating MAGI for Roth IRA contributions is more complicated. You have to use Worksheet 2-1 on page 39 of IRS Publication 590-A. If you receive Social Security benefits, be sure to read the Note at the bottom of Worksheet 2-1 and follow the instructions there.

[NCperson]

@Mikemonica since you are concerned with the IRMAA premiums, MAGI is simply your adjusted gross income (line 11 of Form 1040) plus tax exempt interest income 

https://www.ssa.gov/OP_Home/handbook/handbook.25/handbook-2501.html

where are you getting $182,000 from?  That was the 2020 income limit that avoided 2022 IRMAA if you are filing joint.  Your income in one year is used to determine IRMAA impact two years later.

for 2021, an income limit of $194,000 avoids IRMAA in 2023 

for 2022, assuming NO INFLATION for the next 9 months, an income limit of $202,000 will avoid IRMAA in 2024. if inflation exceeds 0%, the income limit will be slighly higher than $202,000. (an inflation rate of 5% for the nexst 9 months will yield an income limit of $206,000)

see this website - it very informative and instructional on IRMAA.  You'll see where I got my numbers from. 

https://thefinancebuff.com/medicare-irmaa-income-brackets.html