If you missed out on a stimulus payment back in 2021, you’ve got one more shot. The IRS has announced a $2.4 billion release in stimulus checks for people who didn’t claim the Recovery Rebate Credit (RRC) on their 2021 tax returns. This means some folks could still get up to $1,400 per person — but only if they act before the deadline.
In this guide, we’ll walk you through what this stimulus is all about, who’s eligible, and how you can still claim your money. Let’s dive in.
Overview
So, what’s the big deal with these IRS payments? Basically, the IRS is giving taxpayers a second chance to grab the third round of stimulus checks that went out in 2021 under the American Rescue Plan. A lot of people didn’t realize they had to claim it through the Recovery Rebate Credit on their tax return — or they made a mistake and missed it.
Here’s a quick snapshot of the key details:
| Details | Information |
|---|---|
| Total Stimulus Amount | $2.4 billion |
| Max Payment per Person | $1,400 |
| Tax Year Involved | 2021 |
| Income Limits | $80k (single), $120k (head), $160k (joint) |
| Deadline to Apply | April 15, 2025 |
| Required Action | File or amend 2021 return |
That’s a lot of money still on the table — and you don’t want to miss out.
Eligibility
Let’s break down who can actually get this money. The IRS has a few rules:
1. You filed a 2021 tax return
If you didn’t file that year, no worries — you still can. But the payment is only based on your 2021 information.
2. You meet income guidelines
Income caps determine how much you get. Here’s how it works:
- Single: up to $80,000
- Head of household: up to $120,000
- Married filing jointly: up to $160,000
Go over that, and your payment starts to shrink or disappear entirely.
3. You’re not listed as someone else’s dependent
If you were claimed by someone else in 2021, you’re not eligible. The IRS wants this credit going to people handling their own finances.
4. You’re a U.S. citizen or qualifying resident
Nonresident aliens can’t claim this credit. But U.S. citizens and resident aliens who meet other criteria are good to go.
Process
Claiming your check isn’t complicated — but you’ve got to take action.
Step 1
First, pull up your 2021 tax return. If you left the Recovery Rebate Credit line blank or entered zero by mistake, you may still be eligible.
Step 2
If you never filed, now’s the time. Use the IRS Free File tools to get started. If you already filed but missed the credit, submit Form 1040-X to amend your return.
Step 3
You’ll need accurate income, dependent info, and your filing status. Double-check everything to avoid processing delays.
Step 4
The IRS will review your return and issue the payment — either through direct deposit (if your info is on file) or by mailing a check.
Deadline
Don’t let the April 15, 2025 deadline sneak up on you. That’s your final chance to either file your 2021 taxes or amend them to claim this credit. It might seem like there’s time, but why wait?
This stimulus opportunity is a lifeline for those who slipped through the cracks back in 2021. Whether it’s $1,400 for yourself or more for your family, this money could help with bills, groceries, or just some breathing room. Take the time to check your eligibility and follow the steps — it’s worth it.
FAQs
Who qualifies for the $1,400 IRS check?
Anyone who meets 2021 income limits and filed a return without claiming the credit.
What is the deadline to claim the RRC?
April 15, 2025 is the final deadline to file or amend your 2021 return.
Can I still file a 2021 tax return now?
Yes, you can still file your 2021 return and claim the stimulus credit.
How do I amend my tax return?
Submit IRS Form 1040-X to correct or add the Recovery Rebate Credit.
Will the IRS send the money by check or direct deposit?
You’ll get a direct deposit if your bank info is on file, otherwise a paper check.
