Finance

MAGI Calculator (Modified Adjusted Gross Income)

Estimate your Modified Adjusted Gross Income, the figure the IRS uses for Roth IRA eligibility, ACA credits, and Social Security taxability. It builds on AGI per IRS Pub 590-A and 915.

How to use
  1. Start with your adjusted gross income.
  2. Add back the deductions the MAGI definition requires.
  3. Compare it against the relevant IRS threshold.
Estimates for general information, not financial advice. Confirm figures before making money decisions.
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Common questions

How is MAGI different from AGI?

MAGI starts with your AGI and adds back certain deductions, such as student loan interest or foreign income. The exact add-backs depend on the tax benefit you are checking.

Why does MAGI matter?

Many tax rules use MAGI to set income limits, including Roth IRA contributions, ACA premium credits, and how much of your Social Security is taxed.

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