How much you could get in your next stimulus check, in simple charts

  • A massive economic relief bill containing a third stimulus check is inching closer to approval.
  • The maximum payment would be $1,400 per person, including dependents, and $2,800 per married couple.
  • A family of four with adjusted gross income under $150,000 could get $5,600.
  • Visit Personal Finance Insider for more stories.

The American Rescue Plan, a $1.9 trillion relief package that contains a third stimulus check, is making its way through Congress.

The House approved the bill early on February 27; then it was sent to the Senate, which made changes and sent it back to the House. Congress aims to get the bill to the president by March 14.

Under the Senate’s latest plan, individuals and dependents would get payments of up to $1,400, and married couples could get up to $2,800.

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A stimulus check is a non-taxable cash payment sent to qualifying Americans by direct deposit, check, or debit card. The money can be used however you want and does not need to be repaid to the government — even if you get too much.

Other names for stimulus checks include Economic Impact Payments and the Recovery Rebate Credit.

How much will my stimulus check be?

Unlike the previous rounds of stimulus, payments for dependents — up to $1,400 per person — are included in the phaseouts. Anyone with AGI at or above $80,000 as a single filer, $120,000 as a head-of-household filer, or $160,000 as a married joint filer would not receive a payment for themselves or their dependent, according to the plan that passed in the Senate on March 6. 

But taxpayers who do fall below the income limits can claim up to $1,400 for an unlimited number of qualifying dependents. For example, a married couple with an adjusted gross income of up to $150,000 and two kids could get a $5,600 stimulus check. A married couple with an AGI of $150,000 and four kids could get $8,400. However, the total check would be reduced for every dollar of income above $150,000, up to $160,000, when it would phase out completely.

In the table below, you can see how much a stimulus check could be in various scenarios. Remember, these numbers are not final yet. The bill now heads back to the House for consideration before moving on to President Biden for a final signature.

The highlighted numbers indicate where payments stop for that filing status.

If you claim zero dependents:

AGI (2019 or 2020) Single Head of household Married filing jointly
$75,000 $1,400 $1,400* $2,800
$77,500 $700 $1,400* $2,800
$80,000 $0 $1,400* $2,800
$100,000 $0 $1,400* $2,800
$116,250 $0 $700 $2,800
$120,000 $0 $0 $2,800
$150,000 $0 $0 $2,800
$155,000 $0 $0 $1,400
$160,000 $0 $0 $0

*To file as head of household, you generally have to claim a dependent. However, there are some cases where a single parent does not claim their child as a dependent and would therefore get one payment.

If you claim one dependent:

AGI (2019 or 2020) Single Head of household Married filing jointly
$75,000 $2,800 $2,800 $4,200
$77,500 $1,400 $2,800 $4,200
$80,000 $0 $2,800 $4,200
$100,000 $0 $2,800 $4,200
$116,250 $0 $1,400 $4,200
$120,000 $0 $0 $4,200
$150,000 $0 $0 $4,200
$155,000 $0 $0 $2,100
$160,000 $0 $0 $0

If you claim two dependents:

AGI (2019 or 2020) Single Head of household Married filing jointly
$75,000 $4,200 $4,200 $5,600
$77,500 $2,100 $4,200 $5,600
$80,000 $0 $4,200 $5,600
$100,000 $0 $4,200 $5,600
$116,250 $0 $2,100 $5,600
$120,000 $0 $0 $5,600
$150,000 $0 $0 $5,600
$155,000 $0 $0 $2,800
$160,000 $0 $0 $0

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Who gets a stimulus check?

Under the Senate’s latest plan, there are two main requirements to get a check: You need to have a Social Security number (or be married to someone with a Social Security number), and you need to have income below the following thresholds for your filing status:

  • Under $80,000 as a single filer.
  • Under $120,000 as a head-of-household filer.
  • Under $160,000 as a married joint filer.

To determine how much you receive, the IRS would use the adjusted gross income on your 2019 tax return unless your 2020 return is processed by the time payments are sent.

People who aren’t required to file income-tax returns could also get payments. Information collected through the IRS nonfilers tool would be used to send the checks to these recipients. Also, Social Security retirement and disability beneficiaries and Supplemental Security Income recipients who don’t file taxes could get payments.

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