"Ok" isn't the issue.You don't really get to decide what is Ok. You follow the provisions that apply to your client. If you put your taxpayer's info into the program for their return, what is the result you get?

Let's try it this way:

2020 tax year is Meaningless, now. An advanced payout would have relied on 2019 or 2020 tax info on file at that time; whatever was on file for the taxpayer's household at the time the advance payments were being issued, is what got used. It has nothing to do with 2021, where people now got married, got divorced, had quadruplets, whatever. Some people matured out of being dependents.

Everything about EIP (RRC) #3 is based on that 2021 tax form Actuals. You enter the taxpayer's details, and you enter what that person got for advance EIP.

There are a lot of people taking advantage of the confusion on the part of Congress and the IRS, for EIP payments. Remember, this infusion was supposed to help people and help the economy recover, in general. If there is no provision to claw back amounts that should not have been paid, well, that hasn't been part of the regulations for any of the EIP. At least for the CTC, there is a repayment provision, which is waived if the person getting the money in error doesn't meet certain income limits (forgiveness applies).

Use the program you paid for. Let it do that calculation for you.