I would use AGI, but with Roth conversions and no straight retirement withdrawals it seems pretty meaningless. Plus it excludes real income in tax advantaged retirement accounts.
For a couple of CC applications this year we used all fund/ETF distributions, in taxable accounts and retirement accounts. Capital gains inflate it enough to approximate our yearly spending, so it's roughly appropriate and documentable.
For a couple of CC applications this year we used all fund/ETF distributions, in taxable accounts and retirement accounts. Capital gains inflate it enough to approximate our yearly spending, so it's roughly appropriate and documentable.