American Rescue Plan Calculator — 2021 Stimulus Check
Estimate the third stimulus payment issued under the American Rescue Plan Act (ARPA) of March 2021. Enter your adjusted gross income (AGI), filing status, and number of dependents to see your estimated payment and how income phase-outs affect it.
USD
Filing status
Third Economic Impact Payment — American Rescue Plan Act 2021
- 1
Maximum payment
1,400 × 1 = 1,400$1,400 per eligible adult and per qualifying dependent of any age. - 2
Estimated payment
1,400AGI is at or below the phase-out threshold — full payment applies.
How does this calculator work?
Under the ARP Act 2021, each eligible adult and dependent receives $1,400. The payment phases out linearly: for single filers between $75,000–$80,000 AGI; for joint filers between $150,000–$160,000. Enter your AGI, filing status and dependents to estimate your total payment and phase-out reduction.
Formula
How this is calculated
The American Rescue Plan Act of 2021 authorised a third round of Economic Impact Payments: $1,400 per qualifying adult and $1,400 per dependent of any age, including adult college students and elderly relatives claimed on the return. The payment is the maximum amount multiplied by a linear phase-out factor that declines from 1 (full payment) at the lower AGI threshold to 0 (no payment) at the upper threshold.
For single filers and married filing separately, the phase-out window is $75,000–$80,000 AGI. For heads of household it is $112,500–$120,000, and for married couples filing jointly $150,000–$160,000. The IRS used the most recently processed return (2019 or 2020) to issue advance payments in spring 2021; any gap between the advance and actual 2021 eligibility was reconciled as the Recovery Rebate Credit on the 2021 Form 1040.
This calculator applies the 2021 IRS phase-out parameters, which are pre-set but editable. It provides an estimate and cannot account for every personal circumstance — consult IRS.gov or a qualified tax professional if your income straddles the phase-out range, if you had a significant income change between your base year and 2021, or if you need to file an amended return to claim a missed credit.
Frequently asked questions
The American Rescue Plan Act (ARPA) is a $1.9 trillion economic-stimulus law signed in March 2021. Its headline measures included $1,400 stimulus checks per eligible individual and dependent, an expanded and temporarily fully refundable Child Tax Credit, extended enhanced unemployment benefits, and direct funding to state governments and vaccine distribution.
Yes — if you were eligible but did not receive the full third payment, you could claim the Recovery Rebate Credit on your 2021 Form 1040. The IRS set the deadline to file a 2021 return and claim this credit at April 2025 (three years after the original filing deadline). Check IRS.gov for the current status of late claims.
The IRS issued advance payments in spring 2021 based on whichever return had been most recently processed — either 2019 or 2020. If your 2021 income turned out to be lower, you could claim the additional credit on your 2021 return. If it was higher, you were not required to repay the advance.
TG we-Calculate Editorial Team. (2026). American Rescue Plan Calculator — 2021 Stimulus Check [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/american-rescue-plan-calculator
TG we-Calculate Editorial Team. "American Rescue Plan Calculator — 2021 Stimulus Check." TG we-Calculate. 2026. https://we-calculate.com/calculator/american-rescue-plan-calculator.
TG we-Calculate Editorial Team, "American Rescue Plan Calculator — 2021 Stimulus Check," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/american-rescue-plan-calculator
@misc{wecalculate_american_rescue_plan_calculator, title = {American Rescue Plan Calculator — 2021 Stimulus Check}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/american-rescue-plan-calculator}}, year = {2026}, note = {TG we-Calculate} }
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