Free Second Stimulus Check Calculator (HEROES Act)

Second Stimulus Check Calculator: What the HEROES Act Could Mean for You

The HEROES Act (Health and Economic Recovery Omnibus Emergency Solutions Act) is a $3 trillion COVID-19 relief package proposed by House Democrats. While it has passed the House, it awaits Senate deliberation and faces potential opposition. If enacted, it would authorize a second round of stimulus checks with expanded benefits for dependents. This Second Stimulus Check Calculator lets you estimate your potential payment based on the proposed rules, giving you a clear idea of what financial support you might expect.

Key Differences From the First Stimulus

The most significant change is the per-dependent amount. In the first stimulus (CARES Act), dependents under 17 received $500. Under the HEROES Act, each dependent — including those 17 and older — would receive$1,200, up to a maximum of three dependents per household. Adult payments remain the same: $1,200 for eligible individuals and$2,400 for married couples filing jointly. A family of two adults with three children could therefore reach the $6,000 maximum.

Eligibility and Income Phase-Out

Eligibility mirrors the first round. The full payment is available to those with an adjusted gross income (AGI) below the following thresholds:

• Single filers: full payment at AGI ≤ $75,000
• Married filing jointly: full payment at AGI ≤ $150,000

For every $100 your income exceeds the threshold, the payment is reduced by$5. This is equivalent to a 5 % phase-out rate on the excess income. In mathematical form:

$$\text{Payment}_{\text{single}} = \max\left(0,\; 1200 - 0.05 \times (\text{AGI} - 75,\!000)\right)$$ $$\text{Payment}_{\text{couple}} = \max\left(0,\; 2400 - 0.05 \times (\text{AGI} - 150,\!000)\right)$$

For example, a single person earning $85,000 would have a reduction of$500 (0.05 \times \10,!000$), leaving a payment of$700. The payment phases out completely at $99,000 for singles and$198,000 for couples. Dependents themselves are not subject to individual income limits; their payment depends on household eligibility.

Filing Status	Base Payment	Phase-Out Income Start	Phase-Out Rate	Payment Ends
Single	$1,200	$75,000	5 % of excess	$99,000
Married Joint	$2,400	$150,000	5 % of excess	$198,000
Dependent (per child)	$1,200 (max 3)	N/A	household-based	household limit: $6,000

Use this Stimulus Payment Calculator to quickly see your personalized estimate by entering your income, filing status, and number of dependents.

Other HEROES Act Provisions Beyond the Check

The bill includes a wide array of relief measures:

• Hazard Pay for Essential Workers: Employers could claim a premium of $13 per hour on top of regular wages, up to$10,000 per worker ($5,000 for those earning over$200,000 per year).
• Unemployment Benefits: The $600 weekly federal supplement would be extended through January 2021.
• Student Loan Assistance: Up to $10,000 in forgiveness for private student loan borrowers, available until September 2021.
• Housing Assistance: $100 billion for low-income renters and$75 billion for low-income homeowners.
• Nutrition and Other Funding: Additional $3 billion for child nutrition programs,$1.1 billion for the WIC program, and $309 million for rental assistance. The bill also allocates funds to USPS and disinformation prevention measures, which have drawn criticism as tangential to the pandemic.

This COVID-19 Relief Calculator focuses on the direct stimulus payment; other benefits would be administered separately.

Current Legislative Status

The HEROES Act passed the House of Representatives by a vote of 208‑199, largely along party lines. The Senate has not yet taken it up, and President Donald Trump has called it “dead on arrival.” Therefore, any IRS Stimulus Check Eligibility estimate produced by this tool is hypothetical, based on the proposed bill. For the most current information, refer to official government sources.

Using the HEROES Act Calculator

This HEROES Act Calculator is a free online tool designed to provide a quick estimate of your potential second stimulus check. Enter your filing status, total household income, and number of dependents (including those aged 17 and older). The calculator applies the proposed phase-out formula and displays your estimated payment instantly. It is a practical resource for financial planning amid evolving relief legislation.

Disclaimer: This content is for informational and educational purposes only and does not constitute financial or legal advice. The calculator uses the proposed HEROES Act rules and may not reflect the final enacted bill.