Stimulus Payment Calculator - Estimate Your Relief Checks

A stimulus payment calculator estimates the three federal Economic Impact Payments administered by the IRS during 2020 and 2021. Use it to reconstruct a deposit, compare relief with tax records, or see how AGI and dependents changed the amount. It covers the CARES Act, COVID-related Tax Relief Act, and American Rescue Plan; it does not request a new check.

• • Review a past deposit: Compare a bank statement or IRS notice with the estimated Round 1, Round 2, and Round 3 amounts, including child and other-dependent additions.
• • Check a missing-credit question: Use the round breakdown as a starting point when reviewing a missed payment or a Recovery Rebate Credit entry on a past federal return.
• • Understand income effects: Test AGI around the $75,000, $112,500, and $150,000 thresholds to see when phaseout reductions begin for different filing statuses.
• • Separate federal and state relief: Keep federal EIP amounts separate from state programs, which used their own return requirements, dates, and income limits.

The calculator uses one AGI and household profile to compare rounds. For reconciliation, use the return and dependent facts for the payment under review. Because the IRS could use a prior return for an advance and a later return for a credit, this result is not an IRS transcript.

If you need to isolate the 2020 Round 2 formula, Second Stimulus Check Calculator focuses on the $600 EIP2 base, qualifying children, and its AGI phaseout.

Each round starts with a per-person amount, then applies its dependent rule and income test. Rounds 1 and 2 reduce by 5 percent above the threshold; Round 3 reduces the maximum proportionally until its cutoff.

• Filing status: Selects the adult base and AGI thresholds. Joint filers have $2,400 and $1,200 adult bases and $150,000 thresholds.
• AGI: The Adjusted Gross Income used for historical review. Income above a round's threshold produces a reduction.
• Children under 17: Each qualifying child adds $500 in Round 1 and $600 in Round 2, then counts as a $1,400 dependent in Round 3.
• Other dependents: Other qualifying dependents, including adult dependents, add $1,400 in Round 3 only.

Round 1 pays $1,200 per eligible adult and $500 per qualifying child under 17. Round 2 uses $600 for each adult and child. Each subtracts five cents for every dollar above the relevant threshold, capped at the maximum payment.

Round 3 uses $1,400 for each eligible person and qualifying dependent, including adults. Its maximum phases out across $75,000-$80,000 for single and separate filers, $112,500-$120,000 for heads of household, and $150,000-$160,000 for joint filers.

According to Internal Revenue Service, the first payment was up to $1,200 per eligible individual plus $500 per qualifying child, while the second was up to $600 per eligible individual and qualifying child, reduced by 5 percent of AGI above the applicable threshold.

According to Internal Revenue Service, the third-round payment was $1,400 for each eligible individual and qualifying dependent, with full amounts through $75,000 single, $112,500 head of household, and $150,000 joint AGI, then fully phased out at $80,000, $120,000, and $160,000.

For a detailed review of the third-round rules, American Rescue Plan Calculator focuses on the $1,400 amount, broader dependent definition, and linear phaseout.

The rounds used AGI and household information, but their amounts, dependent definitions, and phaseout shapes differed.

Who qualifies for stimulus check depends on more than the fields here. A person generally needed a valid Social Security number or exception, could not be another taxpayer's dependent, and had to fit the AGI and filing-status rules. This page models the payment-driving inputs, not every administrative condition.

Round 3 was separate from the Child Tax Credit. Treat its one-time $1,400 EIP estimate separately from annual tax credits.

To compare the CARES Act proposal and its original payment structure, Cash Act 2020 Calculator provides a focused view of the 2020 relief assumptions.

Use return and household information that matches the historical payment. Change one input at a time to see which rule changes the result.

1. 1 Select the filing status: Choose Single, Married Filing Jointly, Head of Household, or Married Filing Separately. This sets the bases and thresholds.
2. 2 Enter the historical AGI: Use AGI from the relevant return, not current income.
3. 3 Count children under 17: Enter qualifying children for the applicable year. They receive the first two add-ons and count in Round 3.
4. 4 Count other dependents: Enter them separately. They are excluded from the first two add-ons and included in Round 3.
5. 5 Answer the eligibility screen: Select Yes when another taxpayer could claim you. The personal estimate then returns zero.
6. 6 Read each round and the total: Compare payment and phaseout lines before using the total in a tax-record review.

For a single filer at $80,000 AGI with no dependents, Round 1 loses $250, Round 2 loses $250, and Round 3 is fully phased out. The total is $1,300 for comparison with payment records.

When you also want to understand how the same AGI moved through ordinary federal tax rates, Tax Bracket Calculator provides the separate marginal-bracket context.

A round-by-round view explains a historical total because each law treated income and dependents differently.

• • Separates all three rounds: Match a deposit to the CARES Act, second-round relief, or American Rescue Plan.
• • Makes dependent rules visible: Keeps children under 17 separate from other dependents.
• • Shows the phaseout cost: Reports the amount removed by each income formula.
• • Supports tax-record review: Compare the estimate with IRS notices, deposits, and Recovery Rebate Credit entries.
• • Keeps state programs separate: Does not mix federal EIP amounts with state payment rules.

Use the stimulus payment calculator with filing status and AGI from a return, then compare the phaseout lines with an IRS notice or account record. Do not treat the historical total as recurring income; these were one-time payments. The Second Stimulus Check Calculator isolates EIP2 for a narrower Round 2 review.

If a California household also received a state payment, California Stimulus Check Calculator keeps the Golden State Stimulus II estimate separate from federal EIP amounts.

The amount depends on the return facts entered and the round being evaluated. These factors explain most differences between a maximum estimate and an actual payment.

• • This is a historical estimate, not an IRS determination. The IRS could use a prior return for an advance payment and a later return for a Recovery Rebate Credit reconciliation.
• • The model does not reproduce every administrative detail, including payment delivery method, offset handling, Social Security number exceptions, identity verification, or amended-return processing.
• • State relief programs, local grants, and proposed stimulus legislation are outside the calculation. A state program must be checked against that state's own rules.

Thresholds matter near the boundary: a single filer at $74,999 differs from one at $75,001, while a joint return uses $150,000. Round 3 ends at $80,000, $120,000, or $160,000.

The Recovery Rebate Credit reconciled prior payments on later returns. Compare this estimate with the filed return if household facts changed. State relief is separate from this federal model.

According to IRS 2021 Recovery Rebate Credit Topic E, the 2021 credit was $1,400 per eligible individual or qualifying dependent, reduced by Economic Impact Payments already received.

For current take-home-pay planning rather than historical relief, Paycheck Tax Calculator estimates paycheck withholding using a different set of tax inputs.