MAGI Calculator (Modified Adjusted Gross Income)
Start with your adjusted gross income and add back the items that apply to find your modified adjusted gross income.
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- No sign-up
Enter your AGI and any add-backs to see your MAGI.
Worked example
With these example inputs:
- Adjusted gross income (AGI)$85,000
- Tax-exempt interest$2,000
- Foreign income exclusion$0
- Other add-backs$0
Modified adjusted gross income (MAGI): $87,000
- Adjusted gross income$85,000
- Largest component, as a share97.7%
- Average component$21,750
- If the first figure were 10% higher$95,500
Frequently asked questions
How is MAGI calculated?
Take your AGI and add back certain items such as tax-exempt interest and excluded foreign income. An AGI of $85,000 plus $2,000 of tax-exempt interest gives a MAGI of $87,000.
Why does MAGI matter?
Many tax benefits, from Roth IRA eligibility to premium subsidies, phase out based on MAGI rather than AGI. Which items get added back can differ by benefit, so check the rule that applies.