MAGI is not just one number. It's calculated differently for different purposes. There are about a dozen different definitions of MAGI, depending on what it's being used for. What you found with Copilot is just one of the dozen or so different ways of calculating MAGI. It might not apply to what you are using it for.
What do you need your MAGI for?
Also note that Copilot, like all AI systems, sometimes gives wrong information. You have no way of knowing whether it's right or wrong unless you check it against a reliable source, such as IRS instructions.
