Coronavirus and Your Money

Third Stimulus Check Calculator

See how much your third stimulus check should have been using this handy tool.

President Biden signed the American Rescue Plan Act on March 11, 2021. Provisions in the bill authorized a third round of stimulus checks worth $1,400 for each eligible person ($2,800 for couples), plus an additional $1,400 for each dependent. However, as with the first- and second-round payments, the third-round stimulus checks were reduced – or eliminated – for people with an income above a certain amount.

If you didn't receive a third stimulus check, or didn't receive the full amount, you can get any money you're entitled to by claiming the recovery rebate tax credit on your 2021 tax return. If you're wondering if you qualify for the credit, comparing what you should have received to what you actually received is a good place to start (although it doesn't always give you the complete picture).

To see how large your third stimulus payment should have been, answer the three questions in the calculator below and we'll give you a customized estimate. (To see how much you should have received for your first or second stimulus check, see our First Stimulus Check Calculator or Second Stimulus Check Calculator.)

Different Phase-Out Rate

Although the income levels at which third stimulus checks started to phase out (i.e., be reduced) were the same as the amounts used for the first two stimulus payments, the rate at which the phase-out occurred was different. As a result, you may not have gotten a third stimulus check even if you received payments in one or both of the first two rounds.

More Money for Certain Families

One big change with third stimulus checks was that an extra $1,400 was tacked on to your payment for any dependent in the family. For the first- and second-round payments, the additional amount allowed – $500 for first-round payments and $600 in the second round – was only given for dependent children age 16 or younger. As a result, families with older children, including college students age 23 or younger, or with elderly parents living with them, didn't get the extra money added to their previous stimulus payments. That's not the case for third-round stimulus checks.

Amount Based on 2019 or 2020 Tax Return

For third-round stimulus payments, eligibility and amounts were based on either your 2019 or 2020 return. If your 2020 tax return wasn't filed and processed by the IRS by the time the tax agency started processing your third stimulus payment, then the IRS used information from your 2019 tax return. If your 2020 return was already filed and processed when the IRS was ready to send your payment, then your stimulus check eligibility and amount was based on the information on your 2020 return. If your 2020 return was filed and/or processed after the IRS sent you a third stimulus check, but before December 1, 2021, the IRS sent you a second "plus-up" payment for the difference between what your payment should have been if based on your 2020 return and the payment actually sent based on your 2019 return. As a result, your third stimulus check may have been higher or lower depending on when you filed your 2020 tax return.

Learn More About Your Third Stimulus Check

For more information about third-round stimulus checks, see:

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