R65

RetirePath 65 VERSION 5.0

Retirement • Medicare • IRMAA • Social Security
A clearer retirement control center

See your Medicare deadlines and IRMAA exposure before they become expensive surprises.

RetirePath 65 Version 5 puts your most important retirement decisions on one dashboard, lets you test income changes, and helps you prepare an SSA-44 request when a qualifying life-changing event may reduce IRMAA.

Version 5 planning toolsIRMAA + SSA-44 AssistantEarly warning + what-if planning + IRMAA reduction workflow

My Retirement Dashboard

Your most important planning signals in one place.

LIVE SUMMARY
MEDICARE COUNTDOWNAdd birth date
Updates from your roadmap
PROJECTED IRMAA MAGI—
AGI + tax-exempt interest
IRMAA STATUSCheck income
Based on values entered below
NEXT ACTIONStart IRMAA check
Personalized as you enter data
IRMAA headroomEnter income to see distance to the next threshold.
Planning alertNo active alert yet.

Quick User Guide

Complete these steps from top to bottom.

AGI: Adjusted Gross Income.

MAGI: For this IRMAA estimate, generally AGI plus tax-exempt interest.

IRMAA: Income-Related Monthly Adjustment Amount — extra Medicare premium for higher-income beneficiaries.

FRA: Full Retirement Age for Social Security.

Part B: Medicare medical insurance.

Part D: Medicare prescription-drug coverage.

Initial Enrollment Period: Medicare enrollment window surrounding age 65.

COBRA: Temporary continuation of employer coverage after employment ends.

Two-Year Lookback: Medicare generally uses income from an earlier tax year for IRMAA.

Roth Conversion: Taxable conversion income can affect IRMAA.

SSA-44: Social Security form used to request use of more recent income after a qualifying life-changing event may reduce IRMAA.

1IRMAA Early Warning

Estimate current Medicare premium exposure, then test possible income changes.

START HERE
Enter AGI and filing status, then calculate.
Position toward next IRMAA thresholdNot calculated

IRMAA What‑If Planner

See how planned income could change your estimated IRMAA tier before you act.

PLANNING TOOL
Enter your base AGI in the IRMAA section first, then add any possible income changes here.

SSA-44 IRMAA Reduction Assistant

See whether a qualifying life-changing event may support a request for Social Security to use more recent income.

IRMAA APPEAL ASSISTANT
Privacy: RetirePath 65 does not ask for or store your Social Security number. Add identifying information only on Social Security's official form or secure website.
Optional Step 3: If you expect MAGI to be even lower next year, enter that estimate below. RetirePath will include it in your preparation summary; SSA applies the thresholds for the applicable future premium year.
Answer the questions above to screen for SSA-44 and build a preparation checklist.
Open Official SSA-44 PDF SSA Forms / Submit Online

Official SSA-44 Form

Review the current Social Security Administration form after using the RetirePath 65 assistant.

OFFICIAL SSA FORM
Use the assistant first. RetirePath 65 helps organize the information and supporting documents. Complete and submit the official form through Social Security.

If the PDF viewer does not appear on your device, use the button below to open the official SSA-44 directly from Social Security.

Open Official SSA-44 SSA Forms & Online Services

2Build My Medicare Roadmap

Turn your dates and current coverage into an enrollment timeline.

Enter your date of birth and press Show My Roadmap.

3Social Security Timing

Compare a selected claiming age with your Full Retirement Age.

Enter your birth date above to personalize this estimate.

Action Center

RetirePath turns the information above into a short next-step list.

PLANNING TOOL
1. IRMAAComplete the IRMAA check.
2. MedicareAdd your birth date and coverage.
3. Social SecurityReview claiming age after building your roadmap.
4. Print / SaveSave the completed roadmap as a PDF for your records or adviser discussion.

My Social Security & Medicare Timeline

Your combined planning timeline.

Build your roadmap first.

2026 Medicare Quick Costs

Reference figures used in this version.

Standard Part B$202.90 / monthper person
Part B deductible$283 / yearper person
Part DVaries by planIRMAA is added when applicable
Educational planning tool. RetirePath 65 does not provide tax, legal, investment, individualized Medicare advice, or submit SSA-44 on your behalf. Verify current rules and premiums with Medicare, Social Security, IRS guidance, and your plan before making financial decisions.