Third Stimulus Check Calculator - American Rescue Plan
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Determine your third economic impact payment under the enacted American Rescue Plan Act of 2021. Use this Third Stimulus Check Calculator – American Rescue Plan to calculate your $1,400 stimulus check payment based on your tax filing status, Adjusted Gross Income (AGI), and eligible dependents (including adult dependents).
The Formula for American Rescue Plan Stimulus Payments
The third stimulus payment provided a base amount of $1,400 per qualifying individual ($2,800 for joint filers) plus $1,400 per eligible dependent (including adult dependents), subject to a steep AGI phaseout:
Base Payout = ($1,400 × Qualifying Adults) + ($1,400 × All Eligible Dependents)
Phaseout Multiplier = Max(0, 1 - [(Adjusted Gross Income - AGI Threshold) / Phaseout Window])
Net Third Stimulus Payment = Base Payout × Phaseout Multiplier
Where:
- Single Filer: Full $1,400 up to $75,000 AGI (complete phaseout cutoff at $80,000 AGI).
- Head of Household: Full $1,400 up to $112,500 AGI (complete phaseout cutoff at $120,000 AGI).
- Married Filing Jointly: Full $2,800 up to $150,000 AGI (complete phaseout cutoff at $160,000 AGI).
- Adult Dependents: College students, seniors, and disabled adult dependents qualified for full $1,400 payments.
American Rescue Plan Stimulus Payment Matrix
Refer to the lookup table below for baseline payment amounts and complete phaseout cutoffs under the American Rescue Plan Act:
| Filing Status | Base Adult Payment | Full Payment AGI Limit | Complete Phaseout Cutoff | Dependent Allowance |
|---|---|---|---|---|
| Single Filer | $1,400 | $75,000 AGI | $80,000 AGI | +$1,400 per dependent |
| Head of Household | $1,400 | $112,500 AGI | $120,000 AGI | +$1,400 per dependent |
| Married Filing Jointly | $2,800 | $150,000 AGI | $160,000 AGI | +$1,400 per dependent |
Step-by-Step American Rescue Plan Example
Consider a married couple filing jointly with an AGI of $155,000 and 2 dependents (including 1 college student adult dependent):
- Calculate Base Household Payout: $2,800 married joint base + (2 dependents × $1,400) = $5,600 base payout.
- Determine Excess AGI Position: $155,000 AGI is exactly midpoint in the $150,000 to $160,000 phaseout range ($5,000 excess over $10,000 window).
- Apply Phaseout Multiplier: 1 – ($5,000 / $10,000) = 0.50 (50% payout multiplier).
- Calculate Net Third Stimulus Payment: $5,600 base payout × 0.50 = $2,800 net check payment.
Frequently Asked Questions
How much was the third stimulus check under the American Rescue Plan?
The American Rescue Plan Act of 2021 provided $1,400 for eligible single individuals ($2,800 for married couples filing jointly) plus $1,400 for each qualifying dependent.
Were adult dependents eligible for the $1,400 third stimulus payment?
Yes, unlike the first two stimulus rounds, the American Rescue Plan expanded dependent payments to include all dependents regardless of age, including college students, disabled adults, and elderly dependents.
Why was the phaseout window so steep for the third stimulus check?
Congress enacted a narrower phaseout window ($5,000 for single filers, $10,000 for joint filers) to target financial relief specifically to low-and-middle-income families, completely cutting off payments at $80k single / $160k joint AGI.
What if I did not receive my third stimulus payment from the IRS?
Taxpayers who were eligible but did not receive their third stimulus payment (or received less than the full amount) claimed the remaining balance via the 2021 Recovery Rebate Credit on their Form 1040.