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Medicare Tax Calculator

Medicare tax

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⚠️ Disclaimer: This calculator provides estimates only and does not constitute tax advice. Actual taxes may vary based on individual circumstances. Consult a tax professional for accurate tax planning.

Medicare Tax Calculator

Calculate Medicare tax on all earned income. Unlike Social Security, Medicare has no wage cap—plus high earners pay an additional 0.9% surtax.

Medicare Tax Rates

| Component | Rate | Who Pays | Income Threshold | Regular Medicare1.45%EmployeeAll wages Employer Medicare1.45%EmployerAll wages Additional Medicare0.9%Employee onlyOver $200,000 Self-Employed2.9%SelfAll net earnings

Additional Medicare Tax Thresholds

Filing StatusThreshold Single$200,000 Married Filing Jointly$250,000 Married Filing Separately$125,000 | Head of Household | $200,000 |

Medicare Tax Calculator

``javascript function calculateMedicareTax(wages, filingStatus = 'single', isSelfEmployed = false) { const thresholds = { single: 200000, married: 250000, separate: 125000, head: 200000 };

const baseRate = isSelfEmployed ? 0.029 : 0.0145; const threshold = thresholds[filingStatus];

// Regular Medicare tax const regularMedicare = wages * baseRate;

// Additional Medicare Tax (0.9% over threshold) const additionalWages = Math.max(0, wages - threshold); const additionalMedicare = additionalWages * 0.009;

// Employer portion (not for self-employed, they pay both) const employerMedicare = isSelfEmployed ? 0 : wages * 0.0145;

return { wages, regularMedicare: regularMedicare.toFixed(2), additionalMedicare: additionalMedicare.toFixed(2), totalEmployeeMedicare: (regularMedicare + additionalMedicare).toFixed(2), employerMedicare: employerMedicare.toFixed(2), totalMedicare: (regularMedicare + additionalMedicare + employerMedicare).toFixed(2) }; } ``

Medicare Tax Examples

| Wages | Regular (1.45%) | Additional (0.9%) | Total | $100,000$1,450$0$1,450 $200,000$2,900$0$2,900 $300,000$4,350$900$5,250 $500,000$7,250$2,700$9,950

Key Differences from Social Security

FeatureSocial SecurityMedicare Wage cap$168,600None Additional taxNone0.9% over $200k Investment incomeNot taxedNIIT (3.8%) may apply Rate6.2%1.45% + 0.9%

Frequently Asked Questions

What is the Additional Medicare Tax?

The 0.9% Additional Medicare Tax applies to wages and self-employment income exceeding $200,000 (single) or $250,000 (married filing jointly). Only the employee pays this—employers don't match it. It was created by the Affordable Care Act to help fund Medicare.

Is there a Medicare wage cap like Social Security?

No. Unlike Social Security (capped at $168,600), Medicare tax applies to all earned income regardless of amount. A person earning $1 million pays Medicare tax on the entire amount—$14,500 in regular Medicare plus $7,200 Additional Medicare Tax.

What is the Net Investment Income Tax?

The 3.8% NIIT (Medicare surtax on investment income) applies to investment income when MAGI exceeds $200,000 (single) or $250,000 (married). It covers dividends, capital gains, rental income, etc. Combined with the 0.9% Additional Medicare Tax, high earners can pay up to 3.8% extra on investments.

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