Didn’t get your $1,400 stimulus check? Don’t worry—there’s still time to claim it. The IRS is offering a final opportunity to file for the 2021 Recovery Rebate Credit through a 2021 tax return, but the deadline is April 15, 2025.
If you qualify, you could still receive up to $1,400 for yourself and an additional $1,400 for each eligible dependent. Let’s break down who’s eligible, how to file, and what steps you should take now.
Overview
Here’s a quick summary of what the $1,400 Recovery Rebate Credit looks like:
Detail | Information |
---|---|
Payment Amount | Up to $1,400 per person + $1,400 per dependent |
Eligibility | Based on income, status, SSN, and 2021 tax return |
Claim Deadline | April 15, 2025 |
Claim Process | File a 2021 tax return, even with no income |
Full Payment Income Limits | Single: ≤ $75k, Joint: ≤ $150k, HOH: ≤ $112,500 |
Phase-Out Threshold | Single: $80k, Joint: $160k, HOH: $120k |
IRS Official Info | irs.gov/recovery-rebate-credit |
Millions didn’t get this check due to confusion, missed tax filings, or eligibility errors. If that sounds like you—or someone you know—it’s not too late to claim your money.
What
The $1,400 Recovery Rebate Credit is tied to the third round of pandemic-era stimulus payments issued in 2021. These payments were part of the American Rescue Plan, designed to help people deal with financial hardship caused by COVID-19.
If you didn’t receive the full payment (or any payment at all), the IRS allows you to claim it by filing a 2021 tax return. That means even if it’s 2025, you can still get what you’re owed—if you meet the criteria and file in time.
Eligibility
To qualify for the full $1,400 Recovery Rebate Credit:
- You had a valid Social Security number in 2021.
- You were not claimed as a dependent by someone else.
- You were a U.S. citizen or resident alien during 2021.
- Your income fell within these ranges:
Filing Status | Full Payment if AGI ≤ | Phase-Out Ends At |
---|---|---|
Single | $75,000 | $80,000 |
Married Filing Jointly | $150,000 | $160,000 |
Head of Household | $112,500 | $120,000 |
You may also be eligible for an extra $1,400 for each qualifying dependent. That means families could receive thousands in additional payments.
Claim
Follow these steps to get your payment:
Check Your IRS Records
Find Notice 1444-C, which details the third stimulus amount you were sent in 2021. You can also log into your IRS online account to review what you were paid.
File a 2021 Tax Return
Even if you had zero income, you need to file a 2021 return to claim this credit. Use:
- IRS Free File (for incomes under $73,000)
- Tax software like TurboTax or H&R Block
- A VITA site (Volunteer Income Tax Assistance)
- A professional tax preparer
Complete Line 30 on Form 1040
This is where you enter the Recovery Rebate Credit. Most software will calculate it for you once you answer some simple questions about your 2021 income and household.
File and Track
Once you file, track your refund through the IRS “Where’s My Refund” tool. Payments are issued by direct deposit or check.
Missed
Here are some common reasons people didn’t receive their payment:
- Low-Income Individuals: If you weren’t required to file in 2021, you may have missed out.
- College Students: If you were a dependent in 2020 but not in 2021, you now qualify.
- New Parents: Had a baby in 2021? You could claim $1,400 for your child.
- Seniors and SSI/SSDI Recipients: Many assumed the IRS would issue payments automatically—but you still need to file if you didn’t get it.
- Moved or Changed Banks: If your account or address changed, the payment might have been returned.
Tips
Make the process easier with these tips:
- Gather your SSN, IRS notices, and bank details ahead of time.
- Only use IRS-approved tax sites and avoid scammers.
- Make sure your mailing address and bank info are correct.
- Keep a copy of your return for your records.
Need help? Call 800-829-1040 or visit a local IRS Taxpayer Assistance Center.
FAQs
Can I still get the $1,400 in 2025?
Yes, if you file a 2021 tax return by April 15, 2025.
What if I had no income in 2021?
You can still file and claim the rebate with $0 income.
Where do I enter the credit on my return?
Use Line 30 on Form 1040 to claim the Recovery Rebate.
Do seniors need to file to get it?
Yes, even SSI/SSDI recipients must file if they missed it.
Can I claim for a child born in 2021?
Yes, you’ll get an extra $1,400 if claimed on your return.