If you’re among the more than 100 of million Americanstheir for up to , did you get less than you expected? Or maybe you and you’re concerned you won’t get one at all (P.S. we have a you can use to see how much you should get).
Thedid this time (including ), but it also left many people out due to new . If you’re one of those people, it’s possible your stimulus size was smaller or maybe to receive any money at all. If you do qualify, you can , but it won’t tell you how much money to expect.
In addition to new rules shrinking the check size for some, there may be additional life changes that could cause your third check to be reduced — or the issue could come down to a calculation error,or the and to tabulate your total. We’ll help explain everything that could lead to a smaller third stimulus check for you. Also, here’s what to know about a . This story was recently updated with new information.
Your AGI was too high to get the $1,400 per person maximum
Your, needs to be below these to receive the in full:
- Single taxpayer who makes less than $75,000
- Head of household who makes less than $112,500
- Married couple filing jointly who make less than $150,000
If you made more than that amount, you won’t get the full $1,400, but you could get a partial check — as long as you do’t hit the upper income limit for the third payment. These are lower phase-out amounts than, which means you may receive a much smaller payment this time — . This chart shows the upper income limit. If your AGI meets or exceeds this number, you won’t get a stimulus check, even if you have . If you fall below it, you could receive a partial check.
Upper income cap to receive all 3 stimulus checks
|$1,200 payment limit (AGI)||$600 payment limit (AGI)||$1,400 payment limit (AGI)|
|Single tax filer||$99,000||$87,000||$80,000|
|Head of a household||$146,000||$124,500||$120,000|
|Married, filing jointly||$198,000||$174,000||$160,000|
For the first and second stimulus checks, Congress used a, using the same income limits and rate at which payments phase out. We have calculators to help you do the math for and — and .
The IRS used your 2019 or 2020 taxes and it made your total smaller
Because the third check timing lands in the middle of, the IRS will use (whichever is on file when they send your payment) to determine how much you’ll get. So, for example, if was higher in 2020 than in 2019 (e.g. you made more money overall) and haven’t filed your 2020 taxes, the IRS will use your income from 2019. Don’t worry, you won’t be expected to pay that money back if you wouldn’t have qualified with your 2020 tax return.
Also, anyyou have, including adults, can contribute to the total sum you’ll get with the third check. Again, our can help estimate the total amount. Here’s what , and here’s more about the relationship between .
You have fewer dependents now than you did before
For the third check, the definition ofon your taxes has changed. You can get a $1,400 payment to any qualifying dependent this time around.
Yet, if you don’t have the same number of dependents for whatever reason, you might not receive their share in your final check. For example, if someone has died, the IRS expected you to— but again, it does .
For the first two checks,was an important factor in how much stimulus money a household gets. are in many cases entitled to their own stimulus check. In the first round of direct payments, households were given an extra $500 for each “ ,” which Congress defined as a legal minor who is 16 years old or younger.
The IRS definition of a(23 or under, and financially reliant on the tax filer) isn’t the same one used for the first two stimulus checks.
A calculation error could mean a smaller check for you at first
Itand . Clerical errors, deposit mistakes and complex rules might result in your household getting less money with the third stimulus check than you might be entitled to — for you . Or maybe you don’t normally need to file taxes and as with the first two checks, you need to .
For the first two checks, for whatever reason, if an issue prevented you from receiving all or part of your stimulus money, you can.
For the third payment, if the IRS uses your 2019 taxes, but you made less money in 2020, you’ll be able to claim the amount owed to you when you file your taxes in 2022. The IRS is expected to issue more details in the months ahead.
A family member in your household recently died
If your household receives a stimulus check that included a spouse or child dependent who died between your last tax filing and the receipt of the stimulus check, the IRS may have sent you a smaller sum if your tax filing status, deductions, credits or. In some cases, the .
The result might depend on which tax return the IRS uses. For example, if the IRS goes by your 2019 tax return, it’s likely you’d get to keep the amount you received for the person who has died.
Your stimulus payment was garnished
With the third stimulus check, any or all of your payment isby private debt collectors. Here’s what you and is about to be seized.
For more information about, here’s every way you could , what to do if you run into a and see if you for .