Here’s how to calculate how a lot cash your family get with a $1,400 stimulus check most.

Sarah Tew/CNET

Which model of the $1,400 stimulus check will prevail? On Friday, President Joe Biden made it clear he helps s “targeted” imaginative and prescient of a $1,400 cost, although Democrats are reportedly break up on some line objects within the stimulus check formulation, together with earnings limits that may get your family a a lot smaller stimulus check or maybe disqualify you from receiving any a part of the third cost in any respect.

The extra “targeted” strategy that may make it into the subsequent COVID-19 stimulus bundle may additionally prolong $1,400 to dependents and embrace extra folks within the {qualifications}. While a change to eligibility may dramatically improve a family’s stimulus total, it may exist alongside newly lowered earnings limits — that is, how a lot cash you can also make a yr and nonetheless qualify for a full or partial check.

That earnings threshold is a lynchpin that helps decide how a lot your family may count on with the new cost. We’ll go over some potential modifications and the way you could possibly estimate your total. We additionally provide some helpful graphs that illustrate how a shift within the stimulus formulation may have an effect on your total share. This story has been up to date with new info.

Stimulus calculator: $1,400 cost with decrease earnings limits

One Democratic proposal, in accordance to The Washington Post, would drop the earnings restrict for people and households to qualify for a full stimulus cost. Here’s who would get the total quantity beneath this plan, primarily based on your AGI:

  • Single taxpayer who makes lower than $50,000
  • Head of family who makes lower than $75,000
  • Married couple submitting collectively who makes lower than $100,000

As a person’s or couple’s earnings goes up, the dimensions of the partial cost would get smaller. Under this new proposal, dependents would qualify for a $1,400 cost, up from the $600 Biden outlined in his rescue plan.

The calculator under exhibits how the cost you could possibly obtain phases out at $50 for each $1,000 of earnings earned above the baseline, which is how the primary and second checks have been structured. The stimulus calculator will not retailer or use your knowledge. (Congress may additionally resolve to section out funds extra aggressively than with the primary and second checks, lowering funds $100 for each $1,000 of earnings earned above the baseline.)

$1,400 ‘focused’ stimulus check total

Use particulars from your 2019 or 2020 tax return.

1. Choose your submitting standing under.

Estimate a $1,400 check with no modifications to earnings restrict

Let’s say Congress have been to approve a 3rd stimulus check for $1,400 utilizing the earnings necessities for the primary and second funds — that is, the total quantity to:

  • Single taxpayer who makes lower than $75,000 (primarily based on adjusted gross earnings)
  • Head of family who makes lower than $112,500
  • Married couple submitting collectively who makes lower than $150,000

Depending on circumstances resembling your eligible dependents and different {qualifications}, you could possibly get roughly. This calculator makes use of the similar primary formulation as the primary two checks and on this state of affairs, retains the $600 quantity per dependent. (See under to calculate the brand new proposal.) CNET’s stimulus calculator does not retailer or use your private particulars and gives estimates solely.

$1,400 stimulus check total with no modifications

Use particulars from your 2019 or 2020 tax return.

1. Choose your submitting standing under.

With a decrease earnings cap, fewer folks routinely qualify

When Congress dropped the second stimulus check restrict to $600, it automatically disqualified many individuals, just because it lowered the earnings restrict (as a results of math). 

For instance, with the primary check, a single tax filer who earned beneath $75,000 since their earlier tax return acquired the total $1,200. As their adjusted gross earnings degree rose, the total they have been entitled to obtain dropped. After $99,000, they weren’t eligible to get something in any respect. 

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Stimulus check No. 3: What you want to know


With the second check’s $600 most quantity, the cutoff remained $75,000 to obtain the total, however utilizing the formulation specified by the textual content of the invoice, the brink to obtain any quantity of stimulus cash as a person (with no youngsters) is an AGI of $87,000. Make greater than that and you are not eligible for a check. 

If Congress sticks to the identical higher earnings limits for a 3rd stimulus check of $1,400, that would elevate that earnings threshold from $600, making a single taxpayer with an AGI of $75,000 eligible to obtain a full cost, with a cutoff to obtain a partial cost at $103,000.

With a $1,400 cost utilizing the proposed lowered earnings cap, nevertheless, the decrease cap would exclude people and households who would have certified utilizing the primary and second check formulation. That similar single taxpayer now would obtain a full $1,400 cost up to an AGI of fifty,000 after which section out fully at $78,000.

Dependents would change the equation, which is why we as soon as once more advocate utilizing our stimulus check calculator for a greater estimate of your private monetary image.


How a lot cash you get and who will get all of it hinge on small modifications Congress will resolve.

Angela Lang/CNET

$600 vs. $1,400 checks: Total check dimension in contrast

Going from $600 to $1,400 — both with a better or decrease cap on earnings — is a giant leap any manner you have a look at it. So, we needed to spotlight simply what a distinction the approaches may make with the helpful chart under. Note that the primary two columns use the identical formulation, which makes it simpler to evaluate apples with apples, and the third makes use of the one reportedly beneath dialogue with the decrease cap however extra money for dependents.

All figures may change in a last stimulus invoice and symbolize the very best quantity a family may get, however bear in mind that identical to with the primary and second funds, there can be causes some folks could not get the total quantity

$600 vs. $1,400, two methods, check maximums

$600 stimulus check ($600 per little one age 16 or beneath) $1,400 stimulus check ($600 for dependents of any age) $1,400 stimulus check ($1,400 for dependents of any age)
Individual taxpayer, 0 dependents $600 most $1,400 most $1,400 most
Head of family, 1 dependent $1,200 most $2,000 most $2,800 most
Head of family, 2 dependents $1,800 most $2,600 most $4,200 most
Head of family, 3 dependents $2,400 most $3,200 most $5,600 most
Married couple, 0 dependents $1,200 most $2,800 most $2,800 most
Married couple, 1 dependent $1,800 most $3,400 most $4,200 most
Married couple, 2 dependents $2,400 most $4,000 most $5,600 most
Married couple, 3 dependents $3,000 most $4,600 most $7,000 most

We know Biden desires to develop eligibility within the third stimulus check to dependents of any age. It’s a transfer that would make roughly 13.5 million extra grownup dependents ready to rely towards the family total, in accordance to The People’s Policy Project. Biden’s proposal would additionally seem to embrace all households with combined citizenship standing; that is, the place at the very least one member of the family is a US citizen.

For extra info on stimulus checks, this is how to report lacking stimulus cash to the IRS, what to do should you’re lacking any stimulus cash and all of the vital stuff you want to know about stimulus checks and your taxes.

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