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Though the House will still need to pass the amended bill (PDF), it's projected to do so without additional amendments, which means the current legislation is likely to be final. We'll explain how your yearly income fits in to the new, targeted plan. For more information, here's when a third stimulus check could arrive, how tax season could 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 'targets' would officially change
The lower cap limits likely to become law would exclude individuals and families defined as higher-income earners. The initial proposal would've cut off single taxpayers who make $100,000 a year -- the new amendments drop that down to $80,000.
Senate vs. House income caps
Senate check income limits
House check income limits
Full payment below $75,000; cutoff at $80,000
Full payment below $75,000; cutoff at $100,000
Head of household
Full payment below $112,500; cutoff at $120,000
Full payment below $112,500; cutoff at $150,000
Married, filing jointly
Full payment below $150,000; cutoff at $160,000
Full payment below $150,000; cutoff at $200,000
According to the Institute on Taxation and Economic Policy, 60% of Americans would receive a full payment under both the House and the Senate plans. The Senate change, however, would affect the highest earners, where more than 11 million adults and over 4 million children would be blocked from receiving a check for any amount.
The new income cap limits are lower than that for the $600 check -- at $87,000 for an individual, $124,500 for a head of household and $174,000 for families -- but the amount of money that people who qualify could receive might be more than twice the amount of that second check.
Here's what happens without a 'targeted' $1,400 stimulus check
If the $1,400-per-person stimulus check followed the exact same formula as the first two payments, people considered high income would get all or part of the maximum payment, in addition to all the people Congress actively wants to supply with stimulus money.
Without changing anything except the maximum a person could get, a much higher $1,400 maximum would make it so that even single people who earn $100,000 would get a partial check. The size of that payment would otherwise balloon with dependents involved. For example, single taxpayers with an AGI below $75,000 would receive the full $1,400 check. At $85,000, they would receive $1,150; at $90,000 a year, they would get $650; and if they make $102,900, the Treasury would send a stimulus check for $5.
Watch this: Stimulus check No. 3: What you need to know
That all comes down to the way the mathematical equation works out. It's complicated. In essence, you plug in the stimulus maximum ($1,200 for the first payment; $600 for the second), your adjusted gross income and the number of dependents you have. Interestingly, adding in dependents could make it possible for people who exceeded the income limit of the first two checks to still get a partial payment. Read more about stimulus math here.
If lawmakers want to keep the $1,400 per-person maximum but ensure that people who make, for instance, $100,000 a year don't get the payment, the formula would have to become more "targeted." That's the discussion now.
If passed, the outcome would most likely be a larger stimulus check for families that previously qualified (in the case of 17-year-olds and older adult dependents), and some mixed-status families qualifying for a new check for the first time. In all cases, families would have to meet all other eligibility requirements -- like an income limit -- to receive a future stimulus check.