ACA MAGI Calculator

Plan your 2026 ACA coverage with confidence.

Estimate your ACA MAGI for 2026 in minutes. This Excel-based estimator (by Early Retirement Roadmap) guides you step-by-step to project AGI → MAGI, adds back the ACA-specific items (tax-exempt interest, non-taxable Social Security, excluded foreign income), and links you to official HHS FPL tables and the ACA plan cost estimator. Clean, locked, and beginner-friendly—no macros.

Requirements:

• Microsoft Excel (365 or 2016+) on Windows or Mac
• Not designed for Google Sheets or Apple Numbers (protections/validation may break)

Important Notice & Terms of Use:

The ACA MAGI Estimator is provided as-is for educational purposes and is used to estimate MAGI. It is not tax, legal, insurance, or investment advice. Results are estimates based on user inputs and may differ from official determinations by the IRS, HHS, state marketplaces, or insurers. Rules, thresholds, and forms change, and 2026 marketplace eligibility will generally reference 2025 Federal Poverty Guidelines. Always verify with official sources and/or consult a qualified professional before making decisions.

By downloading or using the tool, you agree that use is at your own risk; the author makes no warranties and disclaims all liability for any errors, omissions, or outcomes arising from use of this spreadsheet. Use of this file signifies your agreement that you bear sole responsibility for how you use the information. The author is not affiliated with HHS, Healthcare.gov, or any government agency.