Adjusted Gross Income (AGI) Calculator
Understand your income and explore potential federal student loan repayment options—with a free, easy-to-use standalone calculator.
Start by estimating your current annual income from recent pay stubs, or enter the AGI from your tax return if you already have it.
Calculate Your Income
FREE CALCULATORUse AGI from your most recent federal income tax return. Other household information may be needed for a repayment calculation.
Optional. This is a simplified current-income estimate, not an official AGI calculation. Not every payroll deduction reduces federal AGI.
Your entries stay on this page and are not submitted to StuLo. The pay-stub calculation estimates annual income, not official tax AGI.
AGI and current income are not always the same.
Adjusted gross income is a figure reported on your federal tax return. Your current pay may be different, especially after a job change, reduction in hours, or other income change.
For federal student loan repayment, income documentation requirements depend on the program and your circumstances. A pay-stub estimate is informational and does not replace the official documentation used by your loan holder or servicer.
Before You Continue
- Find your tax-return AGI on Form 1040, line 11.
- If your income changed, gather recent pay stubs or other documentation.
- Have your family size and loan details ready for the next calculator.
- Check current program rules before relying on any payment estimate.
Explore your repayment options
Want to explore possible student loan payments? These are separate tools. As we rebuild them, each will include an integrated income calculation so you can stay on one page.
Income-Driven Repayment
Explore income-based monthly payment estimates for eligible federal student loan plans.
Open IDR Calculator →Loan Rehabilitation
Explore a potential rehabilitation payment if you have eligible defaulted federal student loans.
Open REHAB Calculator →Repayment Assistance Plan
Explore RAP estimates subject to current program availability and eligibility rules.
Open RAP Calculator →Each repayment calculator has its own eligibility rules and inputs. The income shown above is not automatically transferred to other pages.
AGI Calculator FAQs
Understand where to find your AGI, how current income can differ, and what to prepare before comparing student loan repayment options.
Where can I find my AGI?
Look at line 11 of IRS Form 1040 on your federal income tax return. Do not confuse AGI with gross wages or take-home pay.
What if my income has changed since I filed taxes?
You may be able to document current income for certain federal student loan repayment processes. The requirements vary, so check official instructions or ask your loan servicer.
Is the pay-stub estimate my official AGI?
No. It is a simplified annualized earnings estimate. AGI is determined under federal income tax rules and can include income and adjustments beyond your paycheck.
Does this calculator save or send my income?
No. This standalone calculator performs calculations in your browser without saving your income or sending your entries to StuLo. Other forms on the site follow their own privacy disclosures.
Can I change my estimate?
Yes. Edit any value to update your results, or select Clear to start over.
Need help understanding your options?
StuLo can help you review your student loan information and understand available application assistance. Federal repayment applications can also be completed without paid assistance through official government channels.
Get Started Today →