it's a little convolved in the way it was explained by the IRS and Congress, but that is why the original payments were called 'stimulus' and on the 2020 tax return it's called a 'Recovery Credit'
The stimulus payments were an ESTIMATE of what you would be due when you filed your 2020 tax return. Obviously, the IRS didn't have anyone's 2020 tax return when the 1st two stimulus payments occurred so they used 2019 tax returns as the basis of the ESTIMATE.
But what you are ACTUALLY due is based on your 2020 tax return.
if the ACTUAL is greater than the ESTIMATE (your case), then that difference will appear on Line 30.
if the ESTIMTE is greater than the ACTUAL, then Line 30 will be zero and by law the difference does not have to be paid back. Line 30 cannot be negative.
So anyone whose income was high in 2019 and didn't get the stimulus, but their 2020 income was low will get the Recovery Credit. Similarly, anyone who got the stimulus because their 2019 income was low, even thought their 2020 income is high, won't be asked to return anything.
this is one of the few cases where Head you win and Tails you win when the IRS is involved!
