The ongoing saga of the second stimulus check continued Thursday, as a massive bill that includes $900 billion for economic stimulus and COVID-19 relief will reportedly be flown to President Donald Trump at his Mar-a-Lago club for consideration. Trump has rebuked the $600 maximum a qualified adult could get with the second stimulus check, and pressured Congress to raise the sum to $2,000.

The twists and turns are dizzying, and the situation could go multiple ways, including a scenario in which the current bill passes as is, and tens of millions of Americans receive a smaller second stimulus check, while President-elect Joe Biden mounts a campaign to produce a third stimulus check and other measures designed to bolster the economy as COVID-19 vaccinations reach more people.

And if the bill does pass as is? Understanding the upper limit is easy, but a number of other rules will determine how much stimulus money your household could qualify to get. For example, $600 is the most an adult who qualifies for the second stimulus check would receive. Each child dependent under 17-years-old would be eligible for an additional $600. More people will likely be ineligible for any check at all in this second round of stimulus payments because they’ll be disqualified by the new income limit.

Our second stimulus check calculator can help you estimate your payment amount (not a final, IRS-verified figure), based on the rules Congress has set out for the $600 payment (here’s the calculator for the first stimulus check). Your personal details won’t be shared or stored. This story is regularly updated.

How to estimate the total amount of your second stimulus check

Before you use the calculator tool below, you’ll need your adjusted gross income (AGI) from your 2019 federal tax return: find that figure on line 8b of the 2019 1040 federal tax form. (If you don’t typically file taxes, we share more details below.) To estimate the amount of the second check, enter all your child dependents age 16 and younger. A single taxpayer claims no dependents, and a head of household does not file jointly with a spouse and claims at least one dependent.

Stimulus check qualifications: The basics worth knowing

Broadly, here’s who is eligible for money with the second stimulus payment. Payments top out at $600 apiece, and as you reach the upper AGI limit, the amount of your check will decrease. A family of four that qualifies, for example, could receive up to $2,400. For a complete breakdown, check out our stimulus check qualifications guide.

To get the full $600 stimulus per person, either:

• As an individual without qualifying children, you have an adjusted gross income of up to $75,000 (this completely phases out at $87,000, down from the $99,000 used for the first check).
• You file as the head of a household (you claim children) and earn under $112,500.
• You file jointly without children and earn less than $150,000 and no more than $174,000 (down from $198,000 from the first check).
• Any dependent child under age 17 will count for an additional $600.

Note, if you don’t qualify for a second stimulus check based on 2019 data but you would qualify based on your 2020 financial situation, you will not receive a second check this year. However, you can get that amount as a credit against your 2020 taxes.

If you qualify based on 2019 tax information but will be over the limit in 2020, you will receive a second check and do not need to repay it.

How will I be getting my second stimulus payment?

If the IRS has your banking information on file, either from your federal taxes or from the first stimulus payment, your payment should come directly to your bank via direct deposit. The Treasury Department said as of this summer that about 75% of recipients were paid via direct deposit, 22% by paper check and 3% through a prepaid EIP card.

When could the payments be issued by the IRS?

Soon. According to Treasury Secretary Steven Mnuchin, “The good news is [direct deposit] is a very, very fast way of getting money into the economy. Let me emphasize: People are going to see this money at the beginning of next week.”

Starting in the new year, the IRS will send out payments on paper checks and prepaid EIP cards to those for whom it does not have banking information on file. But sending the payments shouldn’t drag on for months, as the first payments did. By Jan. 15, if the IRS has not sent your payment — or sent the wrong amount — you can claim your money when you file your taxes this year.

What should I do if I’m not required to file taxes?

As with the first checks, the IRS will automatically send stimulus checks to many who normally aren’t required to file a tax return — including older adults, Social Security and SSDI and SSI recipients, certain veterans and railroad retirees. The IRS refers loosely to this group as nonfilers.

If you fall in one of these categories, enter your best guess in the calculator where it asks for your adjusted gross income.

Who may not be eligible for another stimulus payment?

We have a list of people who may not qualify for a second stimulus check. If you are over the income limit, a nonresident alien or a dependent 17 years of age or older, you won’t qualify for a check. The People’s Policy Project think tank estimates 13.5 million adult dependents will be excluded under the requirements, including 7.3 million students.

For everything to know about the second payment, see what else is in the new stimulus bill, when the IRS could start sending checks and what we know about renewed federal unemployment benefits in the new bill.