Second Stimulus Check Calculator - 900 Billion Bill

Second stimulus check calculator estimates a proposed $600 COVID-19 payment from AGI and qualifying dependents so you can review the 900 billion bill.

Enter adjusted gross income, other dependents, and children under 17 to estimate a simplified $600-per-person payment with a 5% phase-out above $75,000 AGI.

Second Stimulus Check Calculator - 900 Billion Bill
Second stimulus check calculator estimates a proposed $600 COVID-19 payment from AGI and qualifying dependents so you can review the 900 billion bill.

About the 900 Billion Bill Stimulus Estimate

The second stimulus check calculator for the 900 billion bill reconstructs a simplified version of the December 2020 COVID-19 relief payment that used a $600 base amount. Congress’s second round of Economic Impact Payments paid $600 to an eligible individual and $600 for each qualifying child, then reduced the total by 5% of AGI above a filing-status threshold. This page models a single-filer threshold of $75,000 and treats every person you count—yourself as the base 1, plus other dependents, plus children under 17—as a $600 unit. That is close enough for education and comparison, but it is not a complete IRS worksheet. The formula is Payment = max(0, 600 × (1 + dependents + children under 17) − 0.05 × max(0, AGI − 75,000)). Enter other dependents and children in separate fields so a household with both a qualifying child and another dependent is not forced to pick one box. If you leave both at zero, the estimate is $600 until AGI exceeds $75,000, then it falls by $50 for every additional $1,000 of AGI and hits zero at $87,000 of AGI for a one-person unit. Larger households have a higher starting payment and therefore phase out at a higher income. The live 2020 law used different AGI starts for heads of household ($112,500) and joint filers ($150,000), counted qualifying children under the child-tax-credit definition, and had eligibility rules for nonresident aliens, estates, and some dependents who could not claim their own payment. None of those refinements are in this engine. Do not use the figure for an amended return, identity-theft claim, or “where is my payment” dispute. Why keep a historical calculator? People still reconstruct what a household would have received, compare later $1,400 third-round payments, or study how a 5% phase-out behaves. Use recent AGI only if you are asking a counterfactual; for a 2020 reconstruction, use 2019 or 2020 AGI as the IRS would have. The estimate is educational, not an official Treasury determination, and it is not tax advice.

900 Billion Bill Payment Examples

Simplified $600 units with a 5% phase-out above $75,000 AGI (single-filer model).

InputsOutputNotes
AGI 40,000, 0 dependents, 0 children under 17600Full $600 unit with no phase-out.
AGI 50,000, 2 dependents, 1 child under 172,400Four $600 units (filer + 3) and AGI still below $75,000.
AGI 80,000, 0 dependents, 0 children under 17350$5,000 over the threshold times 5% reduces the $600 unit to $350.

How to Estimate the 900 Billion Bill Payment

  1. Enter adjusted gross income for the tax year you want to model.
  2. Enter other dependents and children under 17 in the separate fields (do not double-count the same person).
  3. Select Calculate to see the simplified payment after the 5% phase-out above $75,000.
  4. Compare a second AGI to see how quickly the payment falls to zero.

900 Billion Bill Stimulus FAQ

Was the second check really $600?

The December 2020 package used a $600 base for an eligible individual and $600 per qualifying child. Later legislation created a third round at $1,400. This page models the $600 round only.

Why is the phase-out based on $75,000?

That was the single-filer start under the 2020 rules. Joint returns started at $150,000 and heads of household at $112,500. This calculator does not switch thresholds by filing status.

Should I add the same child in both dependent fields?

No. Put qualifying children under 17 in the children field and other dependents in the dependents field. Adding the same person twice would double the $600 unit.

Can I use this amount on a tax return?

No. Recovery Rebate Credit reconciliation used Form 1040 instructions and IRS records of what was already paid. This estimate is for education and scenario comparison only.

What AGI year should I enter?

For a historical reconstruction, use the AGI the IRS would have used (typically 2019 or 2020). For a what-if, any AGI is fine as long as you remember it is hypothetical.