 TITLE: What Does Adjusted Gross Income Mean? CONTENT: Calculating and Using Your AGI\n------------------------------\nAlthough AGI is a graspable concept—and a real number you can calculate yourself—it does require a bit of math and technical knowledge to get it right. Enlisting the help of a tax professional, tax preparation software or even your past tax returns can make that math a little easier.\nIf you're planning to use your AGI on a mortgage, loan or credit card application, don't overlook the value of preparing your credit as well. Checking your Experian FICO® Score☉ and credit report, and taking the time to improve your credit if that's warranted, can work hand in hand with your qualifying income to land you the credit or loan you want. END