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

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The third stimulus check is a few pen strokes away from being official. The House on Wednesday passed the Senate’s amended $1.9 trillion coronavirus relief bill, which will now go to President Joe Biden to sign into law on Friday. Biden’s signature will begin the process of sending out tens of millions of stimulus checks by the end of March (here’s a potential schedule). In addition, the new bill will also send $300 checks for supplemental unemployment benefits and payments as part of the expanded Child Tax Credit, the latter aimed at greatly reducing child poverty.

Compared with the first and second stimulus checks, the third payment has a $1,400 maximum per person, but 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 it on your 2020 tax return. This story was recently updated with new information.

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

The American Rescue Act has cleared its final hurdle, and now the bill is ready for the president to sign it into law. 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 will get the full stimulus amount and when you’ll completely phase out of receiving a payment, using the new Senate guidelines that were passed Wednesday. 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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Stimulus check 3: How much money you’ll get


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

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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