How much stimulus money will you get in a $1,400 check? Maybe not $1,400

March 7, 2021 0 By boss



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

Sarah Tew/CNET

Calculating how much money you’d get from a $1,400 stimulus check may seem simple, but the answer is anything but obvious. As with the previous two direct payments, stimulus check qualifications and calculations are sticky — and they just got stickier, thanks to a last-minute change in the Senate stimulus bill that tightens income limits even more. 

The truth is, not everyone in your household will count toward $1,400 per person when the check arrives, and estimating your exact total can get tricky. You may have heard you could potentially get a much larger stimulus check this time — but you could also get less money, or even be disqualified from receiving any money

Our stimulus calculator below will give you a personalized estimate of your household’s total, assuming there are no more changes between now and the time the bill becomes final. For more payment details, here’s how a third check arriving during tax time could go. And if you’re one of the millions of Americans who didn’t receive the first or second stimulus check, here’s how to claim it on your 2020 tax return. This story was recently updated.

$1,400 stimulus calculator: Exactly how much could you get?

There’s just one more hurdle to go before President Joe Biden signs the $1.9 trillion stimulus bill into law, and that’s passing the amended bill in the House — an event set to take place this week. The Senate made a notable change to the third check by reducing the upper income limit to receive any check. If your AGI, or adjusted gross income, 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 would get the full stimulus amount and when you would completely phase out of receiving a payment, using the new Senate guidelines. As an individual or couple’s income goes up, the size of the partial payment would get smaller. (Here’s our first stimulus check calculator, and here’s the calculator for the $600 second check.)

Stimulus check income limits (March 6 version)

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

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 a flat rate of $1,400, even if the adult counts for less (e.g. a married couple with a combined AGI of $155,000)
  • Dependents are no longer restricted by age. College students, adult children with disabilities and older adult relatives would 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. 

An extreme example of the last one: a single parent of four who makes $120,000 wouldn’t qualify, where a single parent with 4 dependents who makes $119,000 would still get money.

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

The current proposal would also include families with mixed citizenship status; that is, where at least one family member is a US citizen.

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

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Stimulus check No. 3: What you need to know


Stimulus payments by income and dependents

To give you an idea of how much you might 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 and here are the important things to know about stimulus checks and your taxes.


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