Finance Calculators

AGI Calculator (Adjusted Gross Income)

Calculate your Adjusted Gross Income (AGI) by subtracting common above-the-line adjustments from your total income.

Total gross income

Retirement contributions (401k/IRA)

Student loan interest paid

HSA contributions

Other adjustments

Total adjustments —

Adjusted gross income (AGI) —

About the AGI Calculator (Adjusted Gross Income)

Adjusted Gross Income (AGI) is your total income minus specific "above-the-line" adjustments, such as retirement account contributions, student loan interest, and HSA contributions. It's the starting point for calculating taxable income.

Formula: AGI = Total Income − (Retirement Contributions + Student Loan Interest + HSA Contributions + Other Adjustments)

AGI matters beyond just your tax bill — it's used to determine eligibility for many tax credits, deductions and even certain income-driven loan repayment plans, so lowering AGI through eligible pre-tax contributions can have ripple effects across your whole return.