In 2025, millions of Americans could be in for a financial boost in the form of a $1312 stimulus check. This isn’t part of a new government relief package—instead, it’s a special initiative by the IRS to help taxpayers who missed out on the Recovery Rebate Credit when filing their 2021 taxes. Whether you forgot to claim it or didn’t realize you were eligible, the IRS is giving you a final chance to claim what you’re owed.
If you’re wondering whether you qualify, how to get the payment, or what deadlines you need to meet, this article will walk you through everything you need to know.
Overview
| Key Point | Details |
|---|---|
| Eligibility | Taxpayers who didn’t claim the Recovery Rebate Credit in 2021 |
| Income Limits | $80K (single), $120K (HOH), $160K (married) |
| Payment Method | Direct deposit or paper check |
| Deadline | April 15, 2025 (to file/amend 2021 tax return) |
| Source for Updates | IRS official website |
2025 Stimulus Check
This 2025 stimulus payment is not a brand-new stimulus. Instead, it’s a correction for those who missed out on the Recovery Rebate Credit back in 2021. Many people either didn’t file a tax return, filed incorrectly, or forgot to claim the credit. The IRS is now making it easier to get the money if you’re eligible—and up to $1312 could be coming your way.
Who Is Eligible?
Wondering if you qualify? Here are the main eligibility rules:
1. Missed the Recovery Rebate Credit
The biggest qualifier is whether you missed out on claiming the credit during your 2021 tax filing. If you didn’t file at all, or filed but skipped the credit, you could be eligible for this payment.
2. Income Requirements
The IRS set the following income limits to determine eligibility:
| Filing Status | Income Limit |
|---|---|
| Single | $80,000 or less |
| Head of Household | $120,000 or less |
| Married Filing Jointly | $160,000 or less |
If your income was above these limits, you likely won’t qualify.
3. Filing Status
This payment is open to people who filed as single, married, or head of household. If you were claimed as a dependent, though, you’re not eligible.
4. Haven’t Filed Your 2021 Return?
There’s still time. The IRS is accepting 2021 returns through April 15, 2025. If you haven’t filed yet, or need to amend your return, this is your window to claim the money.
How Will the Payments Be Sent?
Payments will go out in two main ways:
- Direct Deposit: If your bank info is on file, the payment will be deposited straight into your account.
- Paper Check: If you didn’t opt for direct deposit or your info is outdated, you’ll receive a check in the mail.
The IRS is expected to begin rolling out payments in late January 2025, with payments continuing through the spring. Check your mail or bank account closely during that time.
How to Track Your Payment
If you’re expecting the check and it hasn’t arrived, don’t panic. Here’s how to stay on top of it:
- Use IRS Tools: The IRS’s “Get My Payment” tool will help you track your check’s status.
- Check Your Filing Info: Make sure you filed your 2021 return and didn’t forget to include the credit.
- Update Your Address or Bank Info: Incorrect info can cause delays or missed payments.
- Contact the IRS: If you’ve done everything right and still haven’t received your check, get in touch with the IRS directly.
Claimed Incorrectly
There’s a fix for that.
Option 1
If you never filed your 2021 return, you can still do it by April 15, 2025. File now and include the Recovery Rebate Credit.
Option 2
Already filed but didn’t claim the credit? You’ll need to submit Form 1040-X, which lets you amend your return and request the credit.
Use IRS Guidance
The IRS website has detailed steps and support tools to walk you through both options.
Common Mistakes to Avoid
Missing out again would be a bummer—so here are a few things to watch for:
- Leaving out the Recovery Rebate Credit worksheet
- Using the wrong income info or filing status
- Giving outdated banking details for direct deposit
- Assuming you’re ineligible without checking the facts
Even a small error can cause a delay or disqualification, so double-check everything before you file.
The 2025 $1312 stimulus check is an important opportunity for taxpayers who missed out in 2021. The money is yours if you qualify, but you’ll need to act before the deadline. Whether you’re filing for the first time or amending a previous return, don’t wait—file soon and make sure the IRS has what it needs to send your payment.
FAQs
Who is eligible for the $1312 stimulus?
Those who missed the Recovery Rebate Credit in 2021.
What is the income limit for eligibility?
$80K (single), $120K (HOH), $160K (married couples).
When is the deadline to claim it?
April 15, 2025 is the final deadline.
How do I receive my payment?
Through direct deposit or a mailed check.
Can I amend my 2021 return to claim it?
Yes, use Form 1040-X to amend and claim the credit.
