Use our third stimulus check calculator to get a customized estimate of your payment

Congress is headed toward a vote Friday on a $1.9 trillion COVID-19 relief package that could grant millions of Americans a third stimulus check. This payment would cap out at $1,400 for qualified recipients, which is larger than either of the previous two checks. However, eligibility requirements could be significantly different this time around compared with last year’s checks. Details are still being ironed out, but we have a good idea of what’s likely to change for the third check. We expect to see the stimulus bill pass soon, with stimulus checks beginning to arrive in mailboxes and bank accounts before the end of March. 

Determining your potential payment is confusing, especially since the rules are different for each of the three checks — these are the major differences between the $1,400, $1,200 and $600 stimulus checks. To ease the confusion, we created a stimulus check calculator, below, which you can use to plug in your own information to get a customized estimate. To help you quickly figure 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). Among the new potential eligibility requirements are citizenship, number of dependents and individual and family income caps.

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 none at all. Here’s how a third check during tax time could play out. And if you’re one of the millions of Americans yet to receive the first or second stimulus check, here’s how to claim it on your 2020 tax return. This story is updated often.

Use this third stimulus check calculator to find out your ‘targeted’ $1,400 payment

Based on 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. (Here’s our first stimulus check calculator.) 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.

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 changing eligibility rules could affect stimulus calculations

New with President Joe 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.

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

How much can you expect to receive this time?

To give you an idea of how much you might expect to 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.