How to

Stimulus check calculator: Find out if you’ll be getting $1,400 this weekend

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


Sarah Tew/CNET

Third stimulus checks have already begun hitting bank accounts, following President Joe Biden’s $1.9 trillion coronavirus relief bill being signed into law earlier this week. The new bill features $1,400 stimulus checks for qualifying Americans, as well as supplemental unemployment benefits, a greatly expanded Child Tax Credit and more. 

In many ways, the American Rescue Act is more generous with stimulus payments than either of the previous two checks (here’s how the three stimulus payments compare). But this bill also introduced a more stringent income cap, changing the stimulus check formula and complicating eligibility rules. This means some Americans will receive more than last time (or even more than $1,400), but some will receive less — or nothing at all.

Calculating what kind of payment you should expect to receive gets complicated fast. That’s why we built this stimulus check calculator, which is updated to reflect the final stimulus bill text. Scroll down to enter your info (the calculator doesn’t retain your personal details in any way), and when you’re done, here’s what to know about claiming missing stimulus money on your 2020 tax return (like if you had a baby in 2020), how to track your payment, and how tax season will affect your stimulus payment. This story was recently updated.

Third stimulus check calculator: Will you get the full $1,400?

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

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

Latest dependent qualifications

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. 


Now playing:
Watch this:

Stimulus check 3: How much money you’ll get



2:32

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


Now playing:
Watch this:

Your tax questions answered in 3 minutes



3:29

A few stimulus check scenarios, calculated

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.

Show More

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button