Calculator
Formula Used
Adult rebate: eligible adults × adult rebate amount
Dependent rebate: dependents × dependent rebate amount
Gross rebate: adult rebate + dependent rebate
Excess income: max(0, AGI − filing status threshold)
Phaseout reduction: excess income × phaseout rate
Estimated payment: max(0, gross rebate − phaseout reduction)
The default phaseout rate is 5%. That equals five cents lost for each dollar above the income threshold.
How to Use This Calculator
- Select your filing status.
- Enter adjusted gross income.
- Add eligible adults and dependents.
- Keep the default rebate values, or change them for testing.
- Leave the custom threshold blank for standard proposal thresholds.
- Press Calculate to view the result below the header.
- Use CSV or PDF to save the report.
Example Data Table
| Filing status | AGI | Eligible adults | Dependents | Gross rebate | Phaseout | Estimated payment |
|---|---|---|---|---|---|---|
| Single | $75,000 | 1 | 0 | $1,200 | $0 | $1,200 |
| Head of Household | $120,000 | 1 | 2 | $2,200 | $375 | $1,825 |
| Married Filing Jointly | $160,000 | 2 | 2 | $3,400 | $500 | $2,900 |
| Married Filing Jointly | $220,000 | 2 | 0 | $2,400 | $2,400 | $0 |
About This HEALS Act Estimate
This calculator estimates the proposed second relief payment linked with the HEALS Act discussion. It is built for planning, review, and education. The tool does not file a claim. It does not replace tax advice. It simply follows the common proposal structure and shows each step.
Why This Calculator Helps
The proposed payment used a base adult rebate and an added dependent amount. Many households needed a fast way to test income levels. A small change in adjusted gross income could reduce the expected amount. This page lets users compare filing status, household size, and custom assumptions in one place.
Inputs You Can Control
Choose a filing status first. Then enter adjusted gross income. Add eligible adults and total dependents. The default dependent amount is set to five hundred dollars. The default phaseout rate is five percent. You may change those values for sensitivity checks. You may also enter a custom threshold when you want to test another proposal.
Reading The Result
The result begins with the gross estimated rebate. That figure includes adult and dependent amounts before phaseout. Next, the calculator finds excess income above the selected threshold. The phaseout reduction equals that excess multiplied by the rate. The final estimate is never allowed to fall below zero.
Useful Planning Notes
This tool works best when the AGI figure is accurate. AGI is not the same as take home pay. It is income after certain adjustments. A return, transcript, or tax worksheet may show it. When exact tax data is missing, enter a close estimate and review the sensitivity output.
Limitations
The HEALS Act was a proposal, not the final enacted second stimulus law. Rules can differ from later relief programs. Eligibility details may also depend on identifiers, dependency status, and tax filing facts. For that reason, use this calculator as an estimator. Keep records and consult official guidance for real filing decisions.
Example Uses
Families can test a raise, a filing change, or an added dependent. Preparers can explain why a payment falls. Writers can document sample cases. The CSV and PDF buttons help save the same estimate for later review, client notes, or article examples without rebuilding the calculation and quick checks.
FAQs
What does this calculator estimate?
It estimates a proposed second relief payment under HEALS Act assumptions. It uses filing status, AGI, eligible adults, dependents, and phaseout rules.
Was the HEALS Act the final second stimulus law?
No. The HEALS Act was a proposal. This calculator is useful for historical comparison, planning examples, and content pages about proposed relief formulas.
What AGI thresholds are used?
The default thresholds are $75,000 for single filers, $112,500 for head of household, and $150,000 for married joint filers.
How is the phaseout calculated?
The calculator finds income above the threshold. It then multiplies that excess by the phaseout rate. The default rate is five percent.
Are adult dependents included?
The HEALS Act proposal discussed a dependent amount regardless of age. This calculator uses a total dependent count instead of separating children and adults.
Why is my result zero?
Your income may phase out the full preliminary amount. A zero result can also occur when the taxpayer is marked as claimable by another taxpayer.
Can I change the proposal values?
Yes. You can change the adult amount, dependent amount, phaseout rate, and income threshold. This helps compare alternate relief assumptions.
Can I save my estimate?
Yes. Use the CSV button for spreadsheet records. Use the PDF button for a simple printable report with inputs, results, and notes.