Estimate the size of your second stimulus check: $600, $1,200, more?


You can estimate how much money you could get in your second stimulus check with our calculator tool.

Sarah Tew/CNET

President Donald Trump has not backed down from his stance that the payment maximum for the second stimulus check should rise from $600 to $2,000 for qualified adults — a move that’s put $900 billion of COVID-19 relief funding in limbo, and that’s also already caused federal unemployment insurance to lapse as of Saturday. In fact, Trump has doubled down on his insistence on the $2,000 per-person maximum stimulus check.

“I simply want to get our great people $2000, rather than the measly $600 that is now in the bill,” Trump tweeted Saturday.

On Monday, House Speaker Nancy Pelosi will try to pass a bill authorizing the increase to the $2,000 second stimulus check, although the Republican-led Senate has balked at greater stimulus spending, including a larger second stimulus check, and isn’t expected to take it up. 

It isn’t clear what will happen next. Trump could veto the bill, passively not sign it and wait for it to expire, or relent and sign the bill as is, $600 second stimulus check limit and all. If it stays at $600, our second stimulus check calculator can help you estimate your payment amount, a calculation that can be more complex than you might think. (Here’s why you might not qualify.) This story updates with new information.

How to calculate your second stimulus payment total

Before you use the calculator tool below, you’ll need your adjusted gross income (AGI) from your 2019 federal tax return: find that figure on line 8b of the 2019 1040 federal tax form. (If you don’t typically file taxes, we share more details below.) To estimate the amount of the second check, enter all your child dependents age 16 and younger. A single taxpayer claims no dependents, and a head of household does not file jointly with a spouse and claims at least one dependent.

Calculate your second stimulus payment

Use details from your 2019 tax return.

1. Choose your filing status below.

Stimulus check: Qualification basics you should know

Broadly, here’s who is eligible for money with the second stimulus payment. If the current version of the bill passes, payments would top out at $600 apiece, and as you reach the upper AGI limit, the amount of your check will decrease. A family of four that qualifies, for example, could receive up to $2,400. For a complete breakdown, check out our stimulus check qualifications guide.

To get the full $600 stimulus per person, either:

  • As an individual without qualifying children, you have an adjusted gross income of up to $75,000 (this completely phases out at $87,000, down from the $99,000 used for the first check).
  • You file as the head of a household (you claim children) and earn under $112,500.
  • You file jointly without children and earn less than $150,000 and no more than $174,000 (down from $198,000 from the first check).
  • Any dependent child under age 17 will count for an additional $600.

Note, if you don’t qualify for a second stimulus check based on 2019 data but you would qualify based on your 2020 financial situation, you will not receive a second check this year. However, you can get that amount as a credit against your 2020 taxes.

If you qualify based on 2019 tax information but will be over the limit in 2020, you will receive a second check and do not need to repay it.

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Second stimulus checks: Everything you need to know


How would I receive the second stimulus check?

If the IRS has your banking information on file, either from your federal taxes or from the first stimulus payment, your payment should come directly to your bank via direct deposit. The Treasury Department said as of this summer that about 75% of recipients were paid via direct deposit, 22% by paper check and 3% through a prepaid EIP card.

When could the IRS start sending money?

Soon. According to Treasury Secretary Steven Mnuchin, “The good news is [direct deposit] is a very, very fast way of getting money into the economy. Let me emphasize: People are going to see this money at the beginning of next week.” 

Starting in the new year, the IRS will send out payments on paper checks and prepaid EIP cards to those for whom it does not have banking information on file. But sending the payments shouldn’t drag on for months, as the first payments did. By Jan. 15, if the IRS has not sent your payment — or sent the wrong amount — you can claim your money when you file your taxes this year.

What if I’m not required by law to file taxes?

As with the first checks, the IRS will automatically send stimulus checks to many who normally aren’t required to file a tax return — including older adults, Social Security and SSDI and SSI recipients, certain veterans and railroad retirees. The IRS refers loosely to this group as nonfilers.

If you fall in one of these categories, enter your best guess in the calculator where it asks for your adjusted gross income.

Who might not qualify for another stimulus check?

We have a list of people who may not qualify for a second stimulus check. If you are over the income limit, a nonresident alien or a dependent 17 years of age or older, you won’t qualify for a check. The People’s Policy Project think tank estimates 13.5 million adult dependents will be excluded under the requirements, including 7.3 million students.

For everything to know about the second payment, see what else is in the new stimulus bill, when the IRS could start sending checks and what we know about renewed federal unemployment benefits in the new bill.