Time is running out to claim a stimulus payment you may have missed. If you didn’t receive the full third-round Economic Impact Payment back in 2021, you could still get up to $1,400—but only if you file your 2021 tax return by April 15, 2025.
This article breaks down everything you need to know to claim the Recovery Rebate Credit, avoid common mistakes, and get your payment quickly and safely.
Overview
This isn’t a new round of stimulus. Instead, it’s the IRS giving taxpayers a final chance to claim money from the third stimulus checks issued under the American Rescue Plan Act. Nearly a million people are still eligible. If you’re one of them, here’s your guide.
| Detail | Information |
|---|---|
| Payment Amount | Up to $1,400 per eligible person |
| Claim Deadline | File 2021 return by April 15, 2025 |
| Eligibility | Income-based, plus tax filing status |
| Delivery Method | Direct deposit or paper check |
| Where to File | IRS.gov |
$1,400 Stimulus Check
It’s the third stimulus check—just delivered late. These payments were first sent in 2021, but not everyone got theirs. The IRS is now giving people who missed out one final chance to claim their money by filing a 2021 tax return and requesting the Recovery Rebate Credit.
Common reasons people missed this payment include not filing taxes, changing addresses, or having outdated financial info on file.
Who Qualifies?
- Single filers: AGI up to $75,000
- Heads of household: AGI up to $112,500
- Married filing jointly: AGI up to $150,000
Payments phase out completely at:
- $80,000 for single
- $120,000 for heads of household
- $160,000 for joint filers
Additional Requirements
You must also:
- Be a U.S. citizen or legal resident
- Have a valid Social Security number
- Not be claimed as someone else’s dependent
Even if you got part of the stimulus in 2021, you can claim the difference if you didn’t receive the full amount.
How to Claim the Credit
If you didn’t file a 2021 tax return, you won’t get the payment. This credit is only available through your 2021 return.
File Your 2021 Tax Return
Use IRS Free File or services like TurboTax or H&R Block. Even if you had no income in 2021, you should still file to claim the credit.
Complete Form 1040
Look for the “Recovery Rebate Credit” section. Follow the instructions carefully—this is how the IRS determines your eligibility and payment amount.
When Will You Get Paid?
Once your return is processed and approved, payments usually arrive within 4 to 6 weeks.
You’ll get it:
- Via Direct Deposit: If you included bank info
- By Mail: If no direct deposit was provided
Payments started going out in December 2024 for those who filed late but met the criteria. If you file in early 2025, you can still expect payment quickly.
Avoid Scams
Scammers often take advantage of IRS payment periods. Here’s how to stay safe:
- The IRS never calls, emails, or texts asking for personal info
- Always check your payment status using the official Get My Payment tool at irs.gov
- Report scams to: [email protected]
If someone contacts you saying they can “speed up” your stimulus or asks for money to process it—walk away.
Common Mistakes to Avoid
- Filing the wrong year: Only your 2021 tax return counts
- Missing the credit section: Be sure to complete the Recovery Rebate Credit part of Form 1040
- Waiting too long: If you don’t file by April 15, 2025, you lose your chance permanently
This is your last window to get money you’re owed. Don’t miss it.
FAQs
Is this a new stimulus check?
No, it’s a missed 2021 stimulus payment via Recovery Rebate Credit.
Who qualifies for the $1,400 payment?
People under income limits who didn’t get the third stimulus check.
How do I get the payment?
File a 2021 tax return and claim the Recovery Rebate Credit.
When is the deadline to file?
You must file by April 15, 2025.
Can I still claim if I had no income?
Yes, even with zero income, you should still file.
