Free Stimulus Check Calculator (HEALS Act)

HEALS Act Stimulus Payment Estimator

In late July 2020, Senate Republicans unveiled the HEALS Act, a roughly $1 trillion proposal intended to extend the economic relief initiated by the CARES Act. This legislation — formally the Health, Economic Assistance, Liability Protection, and Schools Act — serves as the Republican counter to the House-passed HEROES Act and includes a second round of direct stimulus payments. With this free HEALS Act payment estimator online, you can quickly determine your potential payment under the proposed rules without having to comb through the bill text. Commonly referred to as a second stimulus check calculator or COVID-19 relief calculator, this tool factors in your filing status, income, and dependents to produce an instant estimate.

How the Stimulus Payment Is Calculated

The payment structure mirrors that of the first CARES Act stimulus check, with adjustments to the dependent credit and income phase-out ranges.

Single Taxpayers

• Full payment: $1,200 for AGI of$75,000 or less.
• Reduced payment: Gradual phase-down for incomes between $75,000 and$99,000.
• No payment: Incomes of $99,000 or more.

Each dependent — of any age — adds $500 to the total, provided they have a valid Social Security number. This broadens eligibility beyond the CARES Act, which limited dependents to children under 17.

Married Couples Filing Jointly

• Full payment: $2,400 for joint AGI of$150,000 or less.
• Phase-out: Payment decreases as income rises, ending completely at $198,000.

Head of Household

• Full payment: $1,200 for AGI of$112,500 or less.
• Phase-out: Gradual reduction up to $136,500; no payment above that threshold.

Who Is Automatically Eligible?

You do not need to take any action to apply for the check. The following groups are automatically eligible based on records already held by the IRS:

• Individuals who filed a 2018 or 2019 tax return (even if no tax was owed).
• Social Security retirement and disability (SSDI) beneficiaries.
• Supplemental Security Income (SSI) recipients.
• Railroad Retirement beneficiaries (RRB).
• Veterans Affairs (VA) benefit recipients.

The IRS will use existing bank accounts for direct deposit or issue paper checks by mail, aiming for rapid distribution — ideally within two weeks of final approval.

Other Key Components of the HEALS Act

Beyond stimulus checks, the HEALS Act allocates approximately $1 trillion across various relief categories:

Unemployment Benefits
The weekly federal boost is **$200**, down from$600 under the CARES Act, but state unemployment benefits continue to be available.

Paycheck Protection Program (PPP) – Round 2
Businesses with fewer than 300 employees that can show at least a 50% revenue loss due to the pandemic can apply. Farmers and ranchers receive enhanced eligibility.

Education Support
$100 billion is set aside for schools to purchase PPE, modify facilities, and support remote learning as they plan to reopen.

Liability Protections
Hospitals, schools, and businesses are shielded from COVID-19-related lawsuits if they follow public health guidelines.

Workers and Patient Protections
Tax credits help employers retain workers, and limits are placed on Medicare Part B premium increases.

PPE for First Responders
Additional funding ensures that emergency personnel have personal protective equipment.

Legislative Timeline and Expected Check Distribution

For stimulus checks to reach bank accounts or mailboxes in August, the HEALS Act must be passed by both chambers and signed into law before August 7, 2020 — the start of the Senate’s summer recess. If this deadline is met, the IRS could begin distributing payments within two weeks, as it did with the first stimulus round. If the bill slips beyond August 7, the next realistic window for checks would be September 2020, after the Senate reconvenes on September 8.

This stimulus payment calculator provides an up-to-date estimate based on the HEALS Act as proposed. Since the bill is subject to negotiation before final passage, the actual payment amounts and eligibility could change. Use the tool to get an initial sense of what the second stimulus might mean for your household.