Calculate your total COVID-19 stimulus payments (EIP1-3). See phaseout by income, per-dependent amounts, and AGI sensitivity analysis.
The U.S. government issued three rounds of Economic Impact Payments (stimulus checks) during 2020-2021: $1,200/$2,400 per person under the CARES Act (April 2020), $600/$1,200 under the December 2020 relief bill, and $1,400/$2,800 under the American Rescue Plan (March 2021). Combined, a married couple with two children could receive up to $11,400.
However, these payments phase out with income. The phaseout starts at $75,000 AGI for singles, $112,500 for heads of household, and $150,000 for married couples filing jointly. Each round has different phaseout mechanics — EIP1 and EIP2 reduce by $5 per $100 of income above the threshold, while EIP3 uses a cliff that drops to $0 at $80K/$120K/$160K.
This calculator computes exact payments across all three rounds based on your filing status, AGI, and number of dependents. The AGI sensitivity table shows how income changes affect your total, while the dependent table quantifies the incremental value of each qualifying dependent.
Many people are unsure whether they received the correct amounts, especially if their income was near phaseout thresholds. If you received less than entitled, you can claim the Recovery Rebate Credit on your tax return. This calculator verifies your correct amounts across all three rounds. Keep these notes focused on your operational context.
EIP1: $1,200/single ($2,400/married) + $500/dep. EIP2: $600/single ($1,200/married) + $600/dep. EIP3: $1,400/single ($2,800/married) + $1,400/dep. Phaseout: EIP1-2 reduce by $5 per $100 over threshold. EIP3 cliffs to $0 at upper cap.
Result: EIP1: $3,400 — EIP2: $2,400 — EIP3: $5,600 — Total: $11,400
A married couple with AGI of $100,000 and 2 dependents receives the full amounts for all three rounds — totaling $11,400. The phaseout does not begin until $150,000 for married filers. Each additional dependent adds $500 (EIP1) + $600 (EIP2) + $1,400 (EIP3) = $2,500.
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EIP1 (April 2020): $1,200/person ($2,400/married) + $500/dependent. EIP2 (January 2021): $600/person ($1,200/married) + $600/dependent. EIP3 (March 2021): $1,400/person ($2,800/married) + $1,400/dependent. Maximum for a married couple with 2 children: $11,400 total.
Phaseout begins at: Single $75,000, Head of Household $112,500, Married Filing Jointly $150,000. For EIP1 and EIP2, payments reduce by $5 per $100 over the threshold. For EIP3, payments phase out completely at $80K/$120K/$160K for singles/HOH/married.
You can claim the Recovery Rebate Credit on your federal tax return (Line 30 of Form 1040). For 2020 returns, this covers EIP1 and EIP2. For 2021 returns, this covers EIP3. There is no deadline to retroactively claim by filing an amended return.
No. Economic Impact Payments are advance tax credits, not income. They do not increase your AGI, are not reported as income, and do not affect your tax bracket. They also do not reduce your refund or increase your tax liability.
For EIP1 and EIP2, only dependents under 17 qualified. For EIP3, all dependents (including adult dependents, college students, and elderly parents) qualified for the $1,400 additional payment. This was a significant expansion.
Payments were issued via direct deposit (if the IRS had bank information from recent returns), paper checks mailed to the address on file, or EIP debit cards. The Get My Payment tool on IRS.gov allowed tracking payment status.