Millions of Americans could still be owed up to $1,400 from the third-round Economic Impact Payment—but time is running out. If you didn’t receive the full stimulus check during 2021, you have until April 15, 2025 to file a 2021 tax return and claim the Recovery Rebate Credit.
Whether you missed the payment due to not filing taxes, moving, or an error in your bank info, this is your final opportunity to get what you’re owed. Here’s how to claim your money, avoid mistakes, and make sure your check arrives fast.
$1,400 Stimulus Check Overview
Detail | Information |
---|---|
Payment Amount | Up to $1,400 per eligible person |
Program Name | Recovery Rebate Credit (Third Economic Impact Payment) |
Claim Deadline | April 15, 2025 |
Eligibility | Based on income, filing status, and citizenship |
Delivery Method | Direct deposit or paper check |
Where to File | IRS.gov |
What Is This Payment?
This isn’t a new stimulus check—it’s your last chance to claim the third-round stimulus originally issued in 2021 under the American Rescue Plan Act. If you didn’t receive the full amount, or didn’t receive anything at all, you can still get it by filing your 2021 federal tax return and claiming the Recovery Rebate Credit.
Why Did People Miss It?
Many missed this payment due to:
- Not filing a tax return in 2021
- Changes in mailing address or bank account
- Being a new filer or having recently turned 18
- Receiving only part of the payment and not realizing it
The IRS estimates that nearly a million people are still eligible.
Who Qualifies for the $1,400 Recovery Rebate Credit?
Eligibility is similar to prior stimulus programs and is income-based:
Filing Status | Full Payment If Income Under | Phase-Out Ends At |
---|---|---|
Single | $75,000 | $80,000 |
Head of Household | $112,500 | $120,000 |
Married Filing Jointly | $150,000 | $160,000 |
Additional criteria:
- You must be a U.S. citizen or legal resident
- You must have a valid Social Security number
- You cannot be claimed as a dependent on someone else’s return
- You must file a 2021 tax return, even if you had no income
If you received a partial check in 2021, you can still claim the difference.
How to Claim the Credit
1. File Your 2021 Tax Return
You must file a return for the 2021 tax year—not 2024 or 2025.
- Use IRS Free File, TurboTax, H&R Block, or a local tax preparer
- Even if your income was zero, you can still file
2. Complete Form 1040
Look for the “Recovery Rebate Credit” section on the form. This is where you calculate and report any amount you are still owed.
3. Submit Before April 15, 2025
That’s the final IRS deadline to claim this money. If you miss it, you lose the refund forever.
How and When Will You Get Paid?
Once your return is accepted and processed:
- Direct Deposit: Funds go directly into your bank account if listed
- Paper Check: If no bank info is on file, the IRS will mail your refund
Processing time is typically 4 to 6 weeks, but may be faster for e-filers.
Payments began rolling out in late 2024 for those who filed late. If you file in early 2025, you can still expect a fast turnaround.
Avoid Scams
Criminals often prey on people during tax season. Here’s how to stay safe:
- The IRS will never call, email, or text you asking for personal information
- Do not pay anyone claiming they can “expedite” your stimulus
- Only use the official IRS website to file and track your return
- Report scams to [email protected]
Common Mistakes to Avoid
- Filing the wrong tax year: You must file your 2021 return
- Missing the credit section: Don’t skip the Recovery Rebate Credit on Form 1040
- Waiting too long: The deadline is April 15, 2025—after that, your refund is gone
FAQs
Is this a new stimulus check?
No, it’s a missed payment from 2021, claimed through the Recovery Rebate Credit.
How much can I receive?
Up to $1,400 per eligible person.
How do I get the payment?
By filing a 2021 tax return and claiming the Recovery Rebate Credit.
Can I still claim if I had no income in 2021?
Yes. Even if you earned $0, you can still file and claim the credit.
When is the last day to claim it?
You must file your 2021 tax return by April 15, 2025.