Enter your income sources and above-the-line adjustments to calculate your gross income, total adjustments, and adjusted gross income (AGI).
How to Use the Adjusted Gross Income Calculator
Fill in each income source under Income — wages default to $60,000 but every field, income and adjustment alike, starts at zero and adds only what you enter. The three results at the bottom update as you type: Gross Income, Total Adjustments, and AGI.
AGI is one of the most-referenced numbers on a U.S. tax return, and yet it's just addition and subtraction once the pieces are gathered.
Gross Income = Wages + Interest + Dividends + Business Income + Other Income
Total Adjustments = IRA Contribution + Student Loan Interest + HSA Contribution + Other Adjustments
AGI = Gross Income − Total AdjustmentsEverything on the income side is money that came in before any deductions — wages from a W-2, taxable interest, dividends, and self-employment or business income all get added together first. The adjustments side is different: these are the specific "above-the-line" deductions the tax code allows you to subtract before AGI is even calculated, separate from the standard or itemized deduction that comes later.
Traditional IRA contributions, student loan interest, and HSA contributions are the three most common adjustments for a typical filer, each with its own eligibility rules and dollar limits that this tool doesn't try to enforce — it assumes the amount you enter is already one you're allowed to claim.
A lower AGI isn't just an abstract number. It's the figure that determines eligibility for a long list of credits and deductions — retirement contribution limits, student loan interest deduction phase-outs, and premium tax credit eligibility all key off AGI or a close variant of it, which is exactly why maximizing legitimate adjustments matters beyond the immediate tax savings.
If your adjustments exceed your gross income, the AGI result here floors at zero rather than showing a negative number — a genuinely reduced or near-zero AGI is a real, if unusual, outcome, not something this calculator treats as invalid input.