Check my stimulus amount: Make sure the IRS sent your full payment – CNET

 053-cash-money-stimulus-checks-bill-passed-congress-1400-dollars-payment-target-supplement-bullseye-2021-biden

Whether you already got a stimulus check or you’re waiting for it to arrive, knowing how much money to expect can help you spot problems.


Sarah Tew/CNET

If you haven’t received your third stimulus check — or even if you have — it’s important to thoroughly check the eligibility rules and calculate your own payment total. Here’s why: Even the IRS can make mistakes, causing you to potentially miss out on money you’re supposed to get. Several things can cause you to receive less money than you’re owed, but the best way to find out and remedy the situation is to do your own calculations.

March 24 was the IRS deadline for sending out third stimulus payments of $1,400 as direct deposits. So if you didn’t receive your payment in your bank account, you should expect it to arrive in the mail as either a paper check or an EIP card. As soon as you find out how much you’re entitled to, you can track your check with the IRS’ tracker tool, as well as through the USPS. But neither one of these tools will tell you how much stimulus money you’re being sent — you won’t know until it arrives.

To get your personalized estimate of your payment total, use our stimulus calculator below. It factors in the IRS formulayour adjusted gross income, or AGI, and dependent information — plus, it doesn’t retain your personal details. When you’re finished, here’s what to know about claiming missing stimulus money on your 2020 tax return (if, for instance, you had a baby in 2020). And here’s where to find how much money you got from your first and second check, and what we know so far about a potential fourth stimulus check. This story was recently updated.

Should you have gotten a larger stimulus check? Calculate your payment just in case

The Senate made a notable change to the third check before the bill was signed into law by reducing the upper income limit to receive any check. If your AGI is equal to or more than $80,000 (single taxpayers), $120,000 (head of household), or $160,000 (filing jointly), you won’t be eligible. See below for more details.

Note that this calculator should be used as an estimate only. If you think the check size you receive is in error and doesn’t match your below estimate, it’s possible you may need to claim the rest of your payment at a later time.

Proposed $1,400 stimulus calculator

Use details from your 2019 or 2020 tax return

1. Choose your filing status below.

SingleMarriedHead of Household

Here’s who will get the full stimulus amount and when you’ll completely phase out of receiving a payment, using the new guidelines that were officially signed into law. As an individual or couple’s income goes up, the size of the partial payment gets smaller. (Here’s our first stimulus check calculator, and here’s the calculator for the $600 second check.)

Stimulus check income limits

Full $1,400 per person maximum (based on AGI) Not eligible (based on AGI)
Individual taxpayer Less than $75,000 $80,000 or more
Head of household Less than $112,500 $120,000 or more
Married couple filing jointly Less than $150,000 $160,000 or more

What if your stimulus check doesn’t match your calculated amount?

There are a number of reasons your stimulus check might be smaller than you were expectingor nonexistent. Maybe you receive SSDI or SSI benefits or other federal benefits, which have not been sent out yet. Or perhaps your payment was based on your 2019 taxes instead of 2020. Checks that are missing altogether can be tracked using a few different tools, and missing money can be claimed in a few different ways. Read our guide to stimulus check problems for solutions to these and other issues.


Now playing:
Watch this:

Stimulus check 3: How much money you’ll get

2:32

3 new dependent eligibility guidelines to remember

There are three new rules for the third stimulus check that affect you if you have dependents. 

  • Each dependent counts for $1,400.
  • Dependents are no longer restricted by age. College students, adult children with disabilities and older adult relatives will now count toward $1,400 each. 
  • Unlike the first two checks, you can’t receive any money if you exceed the upper income limit, even if you have dependents. 

An extreme example of the last one: a single parent of four who makes $120,000 won’t qualify, where a single parent with four dependents who makes $119,000 will still get some amount of money. The amended bill also includes families with mixed citizenship status; that is, where at least one family member is a US citizen.

Expanding qualifications to dependents of any age makes approximately 13.5 million more adult dependents count toward their household total, according to The People’s Policy Project

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


Now playing:
Watch this:

Your tax questions answered in 3 minutes

3:26

For more information on stimulus checks, here’s what to know about the IRS timeline for sending checks, what parents of 2020 babies should do to recoup missing money from the first two payments, and everything we know so far about a potential fourth stimulus check

Leave a Reply

Your email address will not be published. Required fields are marked *