How much of the $1,400 stimulus check could you get? Calculate your total

February 21, 2021 0 By boss



You can calculate how much money you and your household would get with a $1,400 stimulus check maximum.

Sarah Tew/CNET

The outlines of a third stimulus check for up to $1,400 per individual are being worked out over the next few weeks in Congress, but if you want to see how much you could expect to receive with the third payment, we can help now.

Congress is on track to approve President Joe Biden’s $1.9 trillion stimulus package by mid-March, using a congressional budgeting tool that will bypass Republican’s expected opposition to the popular bill. If Congress keeps to its schedule, those who qualify for a payment could see the next stimulus check in their bank accounts by the end of March. Some of the eligibility requirements have already changed dramatically — from citizenship and the number of dependents to individual and family income caps. More could change between now and that March date, but we know enough now to help calculate your total share in the next payment.

To help you quickly estimate the total you may be eligible to receive, we’ve updated our stimulus check calculator based on the most recent version of the bill (PDF). Here’s more information on how you could potentially get a significantly larger third stimulus check, as well as how it’s possible to get less money or even nothing. We also illustrate how a shift in the stimulus formula could affect your total share. And here’s how a third check during tax time could play out. This story is updated frequently with new information.

Use this stimulus check calculator for a ‘targeted’ $1,400 payment

Based the latest House bill (PDF), some qualifications used to determine the amount you could receive with the first two checks — including how much money you and your family can earn a year to get the full $1,400 — will look familiar. Other qualifications will be new, however, such as a hard cap to receive any money at all. Our calculator tool will give you an idea of the amount you can expect. The stimulus calculator won’t store or use your data. Since our calculations are based on the most recent House proposal, it could change again before becoming law.

Proposed $1,400 stimulus calculator

Use details from your 2020 or 2021 tax return

1. Choose your filing status below.

Here’s who would get the full amount under this House proposal, based on your adjusted gross income, or AGI, and when you would completely phase out of receiving a payment. As an individual or couple’s income goes up, the size of the partial payment would get smaller. 

Stimulus check proposal for income limits

Full $1,400 per person maximum (based on AGI) Not eligible (based on AGI)
Individual taxpayer Less than $75,000 $100,000 or more
Head of household Less than $112,500 $150,000 or more
Married couple filing jointly Less than $150,000 $200,000 or more

How eligibility rule changes may affect stimulus calculations

New with Biden’s proposal, all dependents would qualify for a $1,400 payment. Also new: The upper income limit is a hard cap. Above the income ceiling, you no longer qualify for any stimulus money, including for your dependents. With the first two checks, you could hit the cap and still receive money for a dependent.

Expanding qualifications to dependents of any age would make approximately 13.5 million more adult dependents count toward their household total, according to The People’s Policy Project. Biden’s proposal also looks to include families with mixed citizenship status; that is, where at least one family member is a US citizen.

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How much could you expect to receive  

To give you an idea for how much you might expect tor receive in a third payment using the income guidelines Congress is considering, 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 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 85,000 and no dependents $840 $1,400 $2,800
AGI of $95,000 and no dependents $280 $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 $133,000 and 1 dependent $1,270 $4,200
AGI of $166,000 and 1 dependent $0 $4,200
AGI of $200,000 and 1 dependent $0 $0
AGI of $100,000 and 2 dependents $4,200 $5,600
AGI of $133,000 and 2 dependents $1,904 $5,600
AGI of $166,000 and 2 dependents $0 $3,808
AGI of $200,000 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 and here are the important things to know about stimulus checks and your taxes.


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