🧮 Complete Student Loan AGI Calculator

Comprehensive Above-the-Line Deduction Analysis

Includes Social Security Provisional Income Calculations

📊 Income Sources

1
Wages (W-2)
Box 1 of Form W-2
2
Interest Income
Taxable interest from banks, CDs
3
Dividends
Ordinary dividends from investments
4
IRA Distributions
Taxable portion only
5
Pension Income
401k, pension distributions
6
Social Security Income
Annual Social Security benefits

+ Show Additional Income Types

Total Income: $0

📝 Above-the-Line Deductions

1
Educator Expenses Max $300
K-12 teacher classroom supplies
2
Business Expenses
Unreimbursed employee expenses
3
HSA Contributions Max $4,650
Health Savings Account contributions
4
Moving Expenses
Military/Intelligence Community only
5
½ Self-Employment Tax
Half of SE tax (Schedule SE)
6
SEP-IRA/Simple IRA
Self-employed retirement plans

+ Show Additional Deductions

Total Deductions: $0
⚠️ Critical for Student Loan Borrowers: This AGI calculation includes the complex Social Security provisional income rules that most calculators ignore. Your final AGI determines eligibility and payment amounts for IBR, PAYE, REPAYE/SAVE, and ICR plans. Maximizing above-the-line deductions while understanding Social Security taxation can significantly reduce your monthly payments.