If passed by Congress, it would include $1tn for households, with direct payments of $1,400 to all Americans.
The relief proposal includes $415bn to fight the virus and $440bn for small businesses.
Mr Biden, a Democrat, has promised to beat the pandemic that has killed more than 385,000 people in the US.
He campaigned last year vowing to do a better job handling the virus than President Donald Trump, a Republican.
Mr Biden's proposal comes as a winter surge of the coronavirus breaks records.
Each day brings well over 200,000 new cases and the daily death toll sometimes tops 4,000.
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