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Second Incentive Check: How Your AGI Affects Your Payment, and How to Find Out



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Your AGI is critical to your second stimulus check. We’ll show you where to find it on your taxes.

Sarah Tew / CNET

The second stimulus controls are on their way to Americans’ bank accounts, and some people are already reporting that they have arrived. The payments include up to $ 600 per eligible adult and child dependent if they have one. Direct payments are part of the Incentive package of $ 900 billion passed by Congress last week and signed Sunday by President Donald Trump.

As with the first payment round earlier this year the amount you will receive in this second stimulus control is largely based on a calculation in your taxes called your adjusted gross income or AGI. (Try our stimulus check calculator tool to estimate your potential payment.)

Below is our guide to understanding what your AGI is, how to find it and how it determines your AGI second stimulus control payment. There are also other details to consider, such as what your IRS priority group is and what happens if you use SSI or SSDI. CNET also has explanations to help understand what happens to your stimulus payment if you are an older adult, as you have dependents, as you are a young adult or if you pay or receive child support. We even have an explanation for who could are not eligible for a second incentive payment to help you figure out what to expect.

What is my AGI and how does it affect my stimulus control?

Your AGI is your adjusted gross income – an amount calculated based on your total income to determine how much the government can tax you. Your gross income is the sum of all the money you earn in a year, including wages, dividends, alimony, capital gains, interest income, royalties, rental income and retirement benefits. After you deduct allowable deductions from your gross income (such as interest on student loans, alimony payments, or retirement contributions), the result is your AGI, or taxable income, which is used to calculate your income tax. Your AGI is reported on IRS tax form 1040.

Because it’s a rough estimate of how much money you’ll bring in after deducting all of your income streams, the IRS used your AGI to calculate how much you could get from the initial stimulus check up to $ 1,200. The second stimulus check will also use your AGI to determine who also gets up to $ 600 each.


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How can my AGI help me figure out how much money I could get with the second stimulus check?

The amount you can get from one second stimulus control depends on your AGI, your submission status (single versus joint) and how many dependents you have. You can read our story at how to calculate how much money you would receive from a second stimulus check for some examples of how it could fail for you, depending on your situation.

As long as you meet the other stimulus check qualifications, single taxpayers with a Social Security number and an AGI of less than $ 75,000 will receive the full amount of $ 600. As your AGI increases, the amount you qualify for decreases. If your AGI is $ 87,000 or more, you as a single taxpayer are no longer eligible for the stimulus check (this is less than a cutoff of $ 99,000 for the first check).

If you apply as a householder (that means you claim at least one dependent child), you will get the full check for $ 600 if your AGI is $ 112,500 or less. And if you are a married couple filing jointly with no children and your AGI is less than $ 150,000, you will get a payment of $ 1,200. That amount would drop until you hit $ 174,000 (that figure was $ 198,000 on the first check).

How do I find out my AGI if I filed my taxes in 2019?

If you’ve filed your federal tax return for 2019, pull out your printed documents or PDF. If you have tax filing software such as TurboTax or H&R Block, you should be able to log in to those accounts to find a copy of your return.

You can find your AGI on line 8b of the 2019 1040 federal tax form.

How do I find out what my AGI is if I did not file my taxes in 2019?

If you didn’t file federal taxes in 2019, you can find your AGI on your 2018 federal tax return. On the 2018 federal tax form 1040, it’s on line 7.

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An IRS 1040 individual income tax form for the 2018 tax year. You can find your AGI on line 7.

Daniel Acker / Bloomberg / Getty Images

What if I can’t find my federal tax return at all?

If you just can’t find your tax return, you can find your AGI in two ways:

Method 1: Go to the IRS ‘ Get transcript portal and choose Get transcript online. You will need your Social Security Number, date of birth, filing status and mailing address from your last tax return. You also need access to your email; your personal account number from a credit card, mortgage, mortgage loan, line of credit or car loan; and a cell phone with your name on the bill. Once your identity has been verified, select it Transcript of the tax return and use only the Adjusted gross income line feed. You can view or print your data here.

Method 2: If you do not have Internet access or the necessary identity verification documents, you can use the Get transcript portal and choose Receive a transcript by emailor call 1-800-908-9946 to request a copy of the tax return. It will take about five to 10 days to be delivered to you.

Will my AGI affect my family members?

If your AGI qualifies you for an incentive check and you claim dependents on your taxes, you can expect your final incentive payment to include $ 600 for each of your qualified dependent children unable to claim a stimulus check for themselves. There is no limit to the number of dependents you can claim under the age of 17.

For more information, see if you qualified for a second stimulus check and when you might expect a second stimulus check.


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