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Are you getting a stimulus check this weekend? Calculate your third payment now

You can calculate how much money you and your family could expect with a $1,400 limit.


Sarah Tew/CNET

Now that President Joe Biden has signed his $1.9 trillion coronavirus relief bill into law, a third round of stimulus checks will be going out starting this weekend (here’s a possible schedule and how to track it). The bill, which includes $1,400 stimulus checks, an expanded Child Tax Credit and $300 checks for supplemental unemployment benefits, was passed in both the House and the Senate after intense negotiations.

Compared with the first and second stimulus checks, the third payment’s $1,400 per-person maximum is larger, but it comes with a stringent income cap that changes the stimulus check formula, and therefore the eligibility rules. The result is that some Americans will receive a much larger check than before, but some who have qualified in the past will receive less this time — or nothing at all

The best way to know what to expect is to plug in your particular scenario and let our third stimulus check calculator create an estimate for you — see below. For more payment details, here’s how a third check arriving during tax time will complicate things. And if you had a baby in 2020 or you’re one of the millions of Americans who didn’t receive the first or second stimulus check, here’s how to claim that on your 2020 tax return. This story was recently updated with new information.

$1,400 stimulus calculator: How much will you get exactly?

The Senate made a notable change to the third check before the bill was signed into law by reducing the upper income limit to receive any check. If your adjusted gross income, or AGI, is equal to or more than $80,000 (single taxpayers), $120,000 (head of household), or $160,000 (filing jointly), you won’t be eligible. See below for more details.

Proposed $1,400 stimulus calculator

Use details from your 2019 or 2020 tax return

1. Choose your filing status below.

Here’s who will get the full stimulus amount and when you’ll completely phase out of receiving a payment, using the new guidelines that were officially set this week. As an individual or couple’s income goes up, the size of the partial payment gets smaller. (Here’s our first stimulus check calculator, and here’s the calculator for the $600 second check.)

Stimulus check income limits (Confirmed)

Full $1,400 per person maximum (based on AGI) Not eligible (based on AGI)
Individual taxpayer Less than $75,000 $80,000 or more
Head of household Less than $112,500 $120,000 or more
Married couple filing jointly Less than $150,000 $160,000 or more

How the latest dependent qualifications could affect your stimulus check calculations

There are two new rules with the third stimulus check that could affect you if you have dependents. 

  • Each dependent counts for $1,400.
  • Dependents are no longer restricted by age. College students, adult children with disabilities and older adult relatives will now count toward $1,400 each. 
  • Unlike the first two checks, you can’t receive any money if you exceed the upper income limit, even if you have dependents. 


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An extreme example of the last one: a single parent of four who makes $120,000 won’t qualify, where a single parent with four dependents who makes $119,000 will still get some amount of money. The amended bill also includes families with mixed citizenship status; that is, where at least one family member is a US citizen.

Expanding qualifications to dependents of any age makes approximately 13.5 million more adult dependents count toward their household total, according to The People’s Policy Project

Read more: Stimulus money, tax breaks for kids, older adults: Not just a $1,400 check


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Stimulus payments by income and dependents

To give you an idea of how much you should expect to receive in a third payment using the new income guidelines, we calculated a few scenarios for individuals, heads of households and families in the chart below. You can see how setting a hard upper limit changes your payment, based on the amount of money you could expect.

Payments for different incomes and dependents

Individual Head of household Married couple, filing jointly
AGI of $75,000 and no dependents $1,400 $1,400 $2,800
AGI of 79,000 and no dependents $280 $1,400 $2,800
AGI of $90,000 and no dependents $0 $1,400 $2,800
AGI of $100,000 and no dependents $0 $1,400 $2,800
AGI of $100,000 and 1 dependent $2,800 $4,200
AGI of $115,000 and 1 dependent $1,867 $4,200
AGI of $120,000 and 1 dependent $0 $4,200
AGI of $130,000 and 1 dependent $0 $4,200
AGI of $100,000 and 2 dependents $4,200 $5,600
AGI of $115,000 and 2 dependents $2,800 $5,600
AGI of $155,000 and 2 dependents $0 $2,800
AGI of $160,000 and 2 dependents $0 $0

For more information on stimulus checks, here’s how to report missing stimulus money to the IRS, what to do if you’re missing any stimulus money, what we now about setting up direct deposit and here are the important things to know about stimulus checks and your taxes.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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