New stimulus check means millions will not get the full $ 1,400. Here’s how you do it
New stimulus check means millions will not get the full $ 1,400.  Here’s how you do it

New stimulus check means millions will not get the full $ 1,400. Here’s how you do it

A targeted stimulus check can mean that some people can get $ 1,400 and others can get nothing.

Sarah Tew / CNET

That nearly $ 2 trillion stimulus bill adopted by the Senate on Saturdaywhich picks up some significant changes to the provisions regarding federal unemployment insurance and third stimulus checkwhich means tens of thousands of people will get less money than they might have expected.

Specifically for the new stimulus checks up to $ 1,400 per person residues (including for next of kin), but an attempt to “target” payments would result in stricter rules around an income cut. This means that the payment will be less faster for any amount you make above a certain level, and fewer people would generally receive a partial payment. More people would not qualify for a check.

Although Parliament must still stand amended bill (PDF), it is expected to do so without further changes, meaning that current legislation is likely to be final. We explain how your annual income fits into the new, targeted plan. For more information, here when a third stimulus check could comehow tax season can complicate your stimulus payment and what to know about qualifications for a third stimulus check. This story was updated with new information.

How the stimulus check ‘target’ would officially change

That lower limits likely to be law will exclude individuals and families defined as higher-income employees. The original proposal would have cut off single taxpayers earning $ 100,000 a year – the new changes lower it to $ 80,000.

Senate Vs. The house’s income ceiling

The Senate checks income limits Income limits for house checks
Single taxpayer

Full payment under $ 75,000; cut of $ 80,000

Full payment under $ 75,000; cut of $ 100,000

Household head

Full payment under $ 112,500; cut of $ 120,000

Full payment under $ 112,500; cut of $ 150,000

Married, files together

Full payment under $ 150,000; cut of $ 160,000

Full payment under $ 150,000; cut of $ 200,000

According to the Department of Taxation and Economic Policy, 60% of Americans would receive a full payment under both Parliament’s and Senate plans. However, the Senate amendment would affect the highest earners, with more than 11 million adults and over 4 million children being blocked from receiving a check for any amount.

The new income limits are lower than that for the check for $ 600 – to $ 87,000 for an individual, $ 124,500 for a household head and $ 174,000 for families – but the amount that people who qualify can receive can be more than double the amount for the second check.

Here’s what happens without a ‘targeted’ $ 1,400 stimulus check

If the stimulus check of $ 1,400 per. person followed exactly same formula as the first two paymentsFor example, people considered high-income would receive all or part of the maximum payment, in addition to all the people that Congress actively wants to provide stimulus money.

Without changing anything other than the maximum a person could get, a much higher maximum of $ 1,400 would make it so that even singles earning $ 100,000 would get a partial check. The size of that payment would otherwise balloon with relatives involved. For example, single taxpayers with an AGI below $ 75,000 will receive the full $ 1,400 check. At $ 85,000, they would receive $ 1,150; to $ 90,000 a year, they would get $ 650; and if they earn $ 102,900, the Treasury would send a $ 5 stimulus check.

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It all comes down to the way the mathematical equation works. It’s complicated. In essence, you agree to the stimulus maximum ($ 1,200 for the first payment; $ 600 for the second), adjusted gross income and the number of relatives you have. Interestingly, the addition of dependents could allow persons who exceeded the income limit for the first two checks to still receive a partial payment. Read more about stimulus mathematics here.

If lawmakers want to keep the maximum value of $ 1,400 per. person, but ensuring that people earning $ 100,000 a year, for example, do not get paid, the formula would have to be more “targeted”. That’s the discussion now.

How new qualifications can contribute

In addition to supporting major stimulus checks, Biden also wants to include two previously excluded groups: relatives regardless of age (not just kids under 17) and all families with mixed citizenship. Together, it could potentially expand stimulants to nearly 20 million people who previously might not have been included in the family total. The Senate is also considering restrictions around stimulus check for undocumented immigrants.


When it comes to splitting stimulus check money, there is more than one option.

Sarah Tew / CNET

If passed, the result would most likely be a major stimulus check for families who were previously qualified (in the case of 17-year-olds and older adult relatives), and some families with mixed status who qualify for a new check for the first time. In any case, families would have to meet all other eligibility requirements – such as an income limit – to receive a future stimulus check.

For more information, here is current timeline for a third stimulus check and here’s what you need to know about stimulus check qualifications. Here’s finally what to do if you are missing all or part of your stimulus check.

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