Portfolio at Retirement Age
—
age 65
Peak Portfolio
—
—
Lifetime Social Security
—
projected
Lifetime Tax
—
Fed + CA
401(k) Account
Roth IRA Account
Brokerage Accounts
HSA Account
Bonds
Social Security Income
Required Minimum Distribution (RMD)
Federal Income Tax
California State Tax
Full Summary — All Accounts
IRMAA — Medicare Income-Related Surcharge
📋 2025 IRMAA Brackets — Married Filing Jointly (MFJ)
| Tier | MAGI (MFJ) | Part B / person / mo | Part B couple / yr | Part D / person / mo | Part D couple / yr | Total Surcharge / yr |
|---|---|---|---|---|---|---|
| Standard | ≤ $212,000 | $185.00 | $4,440 | $0 | $0 | $4,440 |
| Tier 1 ⚑ | $212,001 – $266,000 | $259.00 | $6,216 | $12.90 | $310 | $6,526 |
| Tier 2 ⚑⚑ | $266,001 – $334,000 | $370.00 | $8,880 | $33.30 | $799 | $9,679 |
| Tier 3 ⚑⚑⚑ | $334,001 – $402,000 | $480.90 | $11,542 | $53.80 | $1,291 | $12,833 |
| Tier 4 ⚑⚑⚑⚑ | $402,001 – $750,000 | $591.90 | $14,206 | $74.20 | $1,781 | $15,987 |
| Tier 5 ⚑⚑⚑⚑⚑ | > $750,000 | $628.90 | $15,094 | $81.00 | $1,944 | $17,038 |
ⓘ 2-year lookback: Medicare premium for Year N is determined by MAGI reported on tax return 2 years prior (Year N-2).
ⓘ Medicare Part B starts at age 65. IRMAA is assessed on Part B + Part D premiums. Amounts shown for a couple (2 persons).
ⓘ Part D surcharge applies per plan enrolled. If not enrolled in Part D, that surcharge is $0. Brackets adjust annually with CPI.
ⓘ Medicare Part B starts at age 65. IRMAA is assessed on Part B + Part D premiums. Amounts shown for a couple (2 persons).
ⓘ Part D surcharge applies per plan enrolled. If not enrolled in Part D, that surcharge is $0. Brackets adjust annually with CPI.
Growth Chart & Age Comparison
// Visualize portfolio growth across all accounts by age
Total Portfolio Growth by Age
Portfolio Comparison at Selected Ages
| Metric | Age 70 | Age 80 |
|---|
401(k) Balance
Roth IRA Balance
HSA Balance
Bonds Balance
Brokerage Balance
Annual Tax Bill (Fed + CA)