Stimulus Check Calculator – CAAF Act vs HEALS Act vs HEROES Act

Stimulus check calculator tools help you estimate how much money you could receive under different government relief proposals. If you are wondering how much your household may qualify for under the CAAF Act, HEALS Act, or HEROES Act, this calculator makes the comparison simple and fast.

Have you ever asked yourself questions like: How much stimulus payment can I receive? Does my income reduce the amount? Which proposal gives families more money? These are common concerns, especially when every proposal follows different payment rules.

The Stimulus Check Calculator helps you compare estimated payments based on your filing status, annual income, and number of dependents. Instead of checking multiple government proposals one by one, you can enter your details and instantly compare the estimated benefits under all three acts.

In addition, understanding the differences between these stimulus proposals can help you plan your household finances better. Some bills offer higher dependent payments, while others have stricter limits. Therefore, using a calculator saves time and gives you a clearer financial picture.

What Is the Stimulus Check Calculator?

The Stimulus Check Calculator is an online tool that estimates how much financial relief you may receive under three proposed stimulus plans:

• CAAF Act
• HEALS Act
• HEROES Act

The calculator compares payments using:

• Filing status
• Adjusted Gross Income (AGI)
• Number of dependents
• Tax information

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Why Compare the Three Stimulus Proposals?

Although these proposals are similar, they do not provide the same benefits. Each one offers different payment amounts and dependent rules.

For example:

• The CAAF Act provides larger dependent payments than the HEALS Act.
• The HEROES Act offers the highest dependent amount but limits dependents to three.
• The HEALS Act follows rules closer to the first CARES stimulus payment.

What Are the CAAF Act, HEALS Act, and HEROES Act?

What Is the CAAF Act?

The Coronavirus Assistance for American Families (CAAF) Act focused mainly on stimulus checks. It proposed direct payments for individuals and dependents with broader eligibility compared to earlier relief packages.

Under this proposal:

• Single filers receive $1,000
• Married couples receive $2,000
• Dependents receive $1,000 each

What Is the HEALS Act?

The HEALS Act was introduced as an alternative relief proposal and closely followed the rules used in the first stimulus check.

Under this plan:

• Single filers receive $1,200
• Married couples receive $2,400
• Dependents receive $500 each

What Is the HEROES Act?

The HEROES Act proposed higher support for families with dependents. However, it introduced a limit on the number of dependents that could qualify.

Under this proposal:

• Single filers receive $1,200
• Married couples receive $2,400
• Dependents receive $1,200 each
• A maximum of 3 dependents allowed
• Household cap of $6,000

How Does the Stimulus Check Calculator Work?

Step 1: Select Your Filing Status

The first step is choosing your filing status. Your filing category determines your payment threshold.

The available options include:

• Single
• Married Filing Jointly
• Head of Household

Income thresholds include:

• Single: $75,000
• Head of Household: $112,500
• Married Filing Jointly: $150,000

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Step 2: Enter Your Annual AGI

AGI stands for Adjusted Gross Income. It plays an important role because stimulus payments gradually reduce once your income exceeds the threshold.

Stimulus Check Phase-Out Formula

Payment = Full Payment − 0.05 × (AGI − Threshold)

This means your payment is reduced by 5% of income above the limit.

Step 3: Add Dependents

Dependent rules:

• CAAF Act: $1,000 per dependent
• HEALS Act: $500 per dependent
• HEROES Act: $1,200 per dependent (maximum 3 dependents)

Step 4: Compare Your Results

After entering your information, the calculator instantly displays payment estimates for:

• CAAF Act stimulus
• HEALS Act stimulus
• HEROES Act stimulus

Stimulus Check Formulas  

CAAF Act Payment Formula:

Base Payment Rule

CAAF Payment = $1,000 per adult filer + $1,000 per dependent

Married Filing Jointly Rule

Married Filing Jointly = $2,000 base payment + $1,000 per dependent

Final Formula

CAAF Payment = Base Amount + (1,000 × Number of Dependents)

HEALS Act Payment Formula

Base Payment Rule

HEALS Payment = $1,200 per adult filer + $500 per dependent

Married Filing Jointly Rule

Married Filing Jointly = $2,400 base payment + $500 per dependent

Final Formula

HEALS Payment = Base Amount + (500 × Number of Dependents

HEROES Act Payment Formula

Base Payment Rule

HEROES Payment = $1,200 per adult filer + $1,200 per dependent

Additional Rules

• Maximum dependents allowed: 3 
• Household maximum limit: $6,000 

Final Formula

HEROES Payment = Base Amount + (1,200 × Number of Dependents)
Final Payment cannot exceed $6,000

Income Phase-Out Formula (All Acts)

Phase-Out Rule

Reduced Payment = Full Payment × (Upper Limit − AGI) ÷ (Upper Limit − Threshold)

Income Thresholds

• Single: $75,000 
• Head of Household: $112,500 
• Married Filing Jointly: $150,000 

Final Rule Summary

• If AGI is below the threshold → full payment 
• If AGI is between the threshold and upper limit → reduced payment
  If AGI exceeds the upper limit → no payment

Stimulus Check Eligibility Requirements

Income Limits by Filing Status

To receive the full payment:

• Single: Below $75,000
• Head of Household: Below $112,500
• Married Filing Jointly: Below $150,000

If income increases too much, payments gradually disappear.

Tax Filing Requirements

Filing your taxes helps verify:

• Annual income
• Filing status
• Number of dependents

Who Counts as a Dependent?

Dependents may include:

• Children under 17
• Adult dependents
• College students in some cases

Example

Input Details

• Filed 2019 Taxes: Yes 
• Filing Status: Married Filing Jointly 
• Dependents Under 17: 2 
• Adult Dependents: 1 
• Total Dependents: 3 
• 2019 Adjusted Gross Income (AGI): $10,500 

Since the household income is below the married filing jointly threshold of $150,000, there is no phase-out reduction. Therefore, the full payment amount applies.

CAAF Act Calculation

Under the CAAF Act:

• Married couples receive $2,000 
• Each dependent receives $1,000 

Calculation:

$2,000 + ($1,000 × 3)
= $2,000 + $3,000
= $5,000

Estimated CAAF Act Stimulus: $5,000

HEALS Act Calculation

Under the HEALS Act:

• Married couples receive $2,400 
• Each dependent receives $500 

Calculation:

$2,400 + ($500 × 3)
= $2,400 + $1,500
= $3,900

Estimated HEALS Act Stimulus: $3,900

HEROES Act Calculation

Under the HEROES Act:

• Married couples receive $2,400 
• Each dependent receives $1,200 
• A maximum of 3 dependents allowed 

Calculation:

$2,400 + ($1,200 × 3)
= $2,400 + $3,600
= $6,000

Estimated HEROES Act Stimulus: $6,000

In this example, the HEROES Act provides the highest payment at $6,000, followed by the CAAF Act at $5,000, while the HEALS Act provides $3,900. Since the income is low, the family qualifies for the full payment amount under all three proposals.

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Conclusion

The Stimulus Check Calculator makes it easier to compare estimated payments under the CAAF Act, HEALS Act, and HEROES Act. Since each proposal follows different payment structures, checking them side by side gives you a better understanding of what your household may qualify for.

Whether you are single, married, or filing as head of household, the calculator helps you estimate benefits using your income and dependents. In addition, understanding phase-out rules and payment limits can help you avoid confusion and make smarter financial decisions.