Millions of Americans may still be entitled to a third-round stimulus payment of up to $1,400—but the clock is ticking. If you didn’t receive the full amount issued in 2021 under the American Rescue Plan Act, you can still claim the money through the Recovery Rebate Credit. The deadline to do so is July 15, 2025.
If you never filed a 2021 tax return, or if you were underpaid or missed the payment due to errors in your information, this is your final chance to get what you’re owed.
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit allows you to claim any portion of the third Economic Impact Payment (EIP) that you didn’t receive in 2021. This was part of the federal COVID relief effort, with up to $1,400 per eligible adult and dependent.
While most Americans received it automatically, millions missed out due to non-filing, changes in bank accounts, or data errors.
Who Is Eligible
You may qualify for the $1,400 Recovery Rebate Credit if you meet these criteria:
| 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 qualifications:
- Must be a U.S. citizen or legal resident
- Must have a valid Social Security number
- Cannot be claimed as a dependent
- Must file a 2021 federal tax return, even if income was zero
If you received only part of the stimulus check in 2021, you can still claim the difference.
Why Some People Missed the Payment
Many people fell through the cracks, including:
- Non-filers or those with no taxable income
- Individuals who turned 18 in 2021
- People who moved or changed banking details
- Those whose life circumstances changed (marriage, divorce, new dependents)
The IRS estimates nearly 1 million people may still qualify for this payment.
How to Claim Your $1,400
1. File Your 2021 Tax Return
This is the only way to receive the payment if you missed it. File electronically for faster processing using:
- IRS Free File
- Tax software like TurboTax or H&R Block
- Local tax preparers
Even if you earned $0, you can file and claim the credit.
2. Use Form 1040
Look for the Recovery Rebate Credit section. You’ll input the amount you received (if any) and the system will calculate what you’re still owed.
3. Submit by April 15, 2025
This is a hard deadline. If you don’t file by this date, you forfeit your right to the payment.
How You’ll Receive the Money
| Method | Details |
|---|---|
| Direct Deposit | If you provide your bank info on the return, you’ll receive the funds quickly |
| Paper Check | If no direct deposit is available, the IRS will mail a check |
Processing time is typically 4–6 weeks, but faster for electronic filers.
Avoid These Mistakes
| Mistake | Impact |
|---|---|
| Filing the wrong tax year | You must file a 2021 return—not 2024 or 2025 |
| Ignoring the rebate section | You won’t receive the money if you skip it |
| Missing the deadline | After April 15, 2025, the credit is no longer available |
Watch Out for Scams
The IRS does not:
- Call, email, or text asking for your Social Security number
- Request payment to “unlock” your rebate
- Use third parties to expedite your check
Always file and check your refund status through IRS.gov only.
Why It Matters
A $1,400 tax credit could help cover critical expenses, pay down debt, or simply provide peace of mind. If you or someone you know didn’t receive this payment in 2021, this is your final opportunity to fix it.
FAQs
What is the Recovery Rebate Credit?
It allows you to claim unpaid third-round stimulus checks from 2021 by filing a 2021 tax return.
How much can I get?
Up to $1,400 per eligible person (including dependents).
Can I still claim if I had no income in 2021?
Yes. Income is not required to file or receive the payment.
What if I only got part of the $1,400?
You can claim the difference through the Recovery Rebate Credit.
