Adjusted Gross Income (AGI) Calculator

Estimate your AGI by subtracting common above-the-line deductions from gross income.

Last updated: 2026-06-21T07:59:18.437Z

Gross income ($)

Above-the-line deductions

Self-employment tax (50%)

Student loan interest

IRA deduction

HSA deduction

Alimony paid (pre-2019)

Other deductions

Results

Enter gross income to compute AGI.

About AGI

Adjusted Gross Income (AGI) is gross income minus above-the-line deductions and forms the basis for many tax calculations.

Use AGI to estimate eligibility for certain credits and deductions.

Gross income $85,000 with $6,500 IRA and $2,500 student interest → AGI ≈ $76,000.

What is AGI used for?

AGI is used to determine eligibility for tax credits and deductions.

Are retirement contributions included?

Above-the-line retirement contributions reduce AGI if eligible.

Does AGI equal taxable income?

No — taxable income is AGI minus standard/itemized deductions.

Should I include pre-tax benefits?

Include pre-tax HSA contributions if they are above-the-line deductions.

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