Third Stimulus Check Calculator - American Rescue Plan

The third economic impact payment under the American Rescue Plan provides up to $1,400 for eligible individuals, plus an additional $1,400 for each qualifying dependent. The calculation relies primarily on your most recent tax return (typically 2019 or 2020, though earlier baselines apply if those are missing). The base amount begins to phase out rapidly for single filers earning over $75,000, heads of household earning over $112,500, and married couples filing jointly earning over $150,000. Complete phase-out occurs at relatively strict income caps: $80,000, $120,000, and $160,000 respectively.

Imagine a married couple filing jointly with an adjusted gross income of $130,000 and two dependent children. Because their combined income falls below the $150,000 threshold, they qualify for the full maximum payment. Each adult receives $1,400 ($2,800 total), and each of the two children generates an additional $1,400 ($2,800 total). Adding these figures together ($2,800 + $2,800), the household is entitled to a total third stimulus check of $5,600. If their income had been $155,000 instead, a partial phase-out calculation would reduce this total proportionally.

Always review your Adjusted Gross Income (AGI) rather than your gross salary, as deductions can lower your income into a more favorable tier. If your income dropped significantly between 2018 and 2019, ensure the calculator evaluates the lower income year to maximize your potential phase-out benefit. Keep your Social Security Numbers and dependent details accurate to prevent processing delays with the IRS.