Calculate adjusted gross income from total income and above-the-line adjustments.
Please do not make financial decisions based on these results.
What is the Adjusted Gross Income (AGI) Calculator?
Calculate adjusted gross income from total income and above-the-line adjustments. To use the Adjusted Gross Income (AGI) Calculator, enter wages, interest, dividends and other income, self-employment net income, hsa contributions, traditional ira deduction, student loan interest; it returns adjusted gross income, total income, total adjustments, and shows them instantly as you type.
How income is taxed
Federal income tax is progressive, so higher slices of income are taxed at higher rates. Your filing status, deductions and pre-tax contributions determine your taxable income. Start with the income tax calculator and then see the effect on your paycheck with the take-home paycheck calculator.
How to use the Adjusted Gross Income (AGI) Calculator
- Enter your numbers. Start with Wages ($), Interest, dividends and other income ($), Self-employment net income ($), then fill in HSA contributions ($), Traditional IRA deduction ($), Student loan interest ($). Use the tax year and filing status that apply to you, and gross figures unless a field says otherwise. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Adjusted gross income, and the cards below show Total income, Total adjustments. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Adjusted Gross Income (AGI) Calculator using the default values shown in the calculator above:
Inputs
| Wages ($) | 85,000 |
|---|---|
| Interest, dividends and other income ($) | 3,000 |
| Self-employment net income ($) | 0 |
| HSA contributions ($) | 3,000 |
| Traditional IRA deduction ($) | 3,000 |
| Student loan interest ($) | 1,500 |
Results
| Adjusted gross income | $80,500.00 |
|---|---|
| Total income | $88,000.00 |
| Total adjustments | $7,500.00 |
With these inputs the calculator returns Adjusted gross income: $80,500.00. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Wages ($) from 85,000 to 102,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Adjusted gross income | $80,500.00 | $97,500.00 | +21.1% |
| Total income | $88,000.00 | $105,000.00 | +19.3% |
| Total adjustments | $7,500.00 | $7,500.00 | 0% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Adjusted Gross Income (AGI) Calculator reports Adjusted gross income, total income and total adjustments. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. Tax rules change every year and depend on your full situation (state, filing status, credits), so treat the result as an estimate and confirm it with the IRS or a tax professional. It is for information, not financial, tax or legal advice.
Frequently asked questions
Why does AGI matter?
AGI determines eligibility for many credits and deductions and is the starting point for taxable income.
Is this tax advice?
No. Please do not make tax decisions based on these results. Use a tax professional for your actual return.
What is the difference between gross and net pay?
Gross pay is what you earn before deductions. Net pay, or take-home pay, is what remains after taxes and deductions.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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