Finding Your Adjusted Gross Income (AGI)

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There are a few options:

You can use prior year's numbers as an estimate or use your 2021 figure, if you've already prepared your return. Here's where to find them using Form 1040:

  • 2021 page 1, line 11
  • 2020 page 1, line 11
  • 2019 page 1, line 8b
  • 2018 page 2, line 7

You can also estimate your AGI:

1st - start with the number in box 1 on your W2 (If you're filing with your spouse/partner, you'll want to include their numbers as well)

2nd - add in any other gross pre-tax income that you (and/or your spouse/partner, if applicable) earned outside of your employer, e.g., driving for Uber, delivering for DoorDash, interest, dividends, and/or capital gains earned in non-retirement accounts

3rd - subtract away applicable deductions:

  • Educator expenses
  • Certain business expenses, if you own a business
  • Moving expenses for military
  • Deductible self-employment taxes
  • Contributions to retirement plans or health insurance for self-employed people
  • Penalties on early withdrawals of savings
  • Alimony paid (if made under divorce or separation agreements executed before January 1, 2019)
  • Deductible IRA contributions- Student loan interest- Deductible tuition and fees.

If you're curious, here's further reading on calculating your Adjusted Gross Income.

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