If you missed out on the third round of Economic Impact Payments (EIPs), also known as stimulus checks, there’s still time to claim your money—but the clock is ticking. The IRS has set April 15, 2025 as the final deadline to claim your $1,400 stimulus refund through the Recovery Rebate Credit (RRC).
Here’s what you need to know about eligibility, how to file, and how to get your refund quickly before time runs out.
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit is a tax credit issued to eligible individuals who didn’t receive the full amount of their third stimulus check in 2021.
If you never received the payment or only got a partial amount, you may be entitled to claim up to $1,400 for yourself and $1,400 per dependent.
This credit can only be claimed by filing a 2021 federal tax return, even if you had little or no income and typically don’t file taxes.
Who Qualifies for the $1,400 Stimulus Refund?
You may be eligible to claim the full $1,400 stimulus refund if your Adjusted Gross Income (AGI) falls within the following limits:
| Filing Status | AGI Threshold (Full Payment) | Payment Reduces At |
|---|---|---|
| Single | $75,000 or less | Ends at $80,000 |
| Head of Household | $112,500 or less | Ends at $120,000 |
| Married Filing Jointly | $150,000 or less | Ends at $160,000 |
Note: The amount reduces gradually for those earning above the thresholds and phases out completely at the maximum income limits.
You also must:
- Have a valid Social Security Number
- Not be claimed as a dependent by someone else
- Have been alive in 2021 (for yourself or dependents)
How to Claim the Stimulus Check Before the Deadline
To get your payment, you must file a 2021 tax return by April 15, 2025. Here’s how:
- Gather your documents: Social Security numbers, income info (if applicable), and bank account details for direct deposit.
- File your 2021 Form 1040 or 1040-SR: Use “Line 30” to claim the Recovery Rebate Credit.
- Submit electronically: Filing online with direct deposit is the fastest way to receive your money.
- Check refund status: After filing, use the IRS tool to track your refund progress.
Why It’s Urgent
Once the April 15, 2025 deadline passes, you will lose eligibility forever to claim your 2021 stimulus check. There are no extensions or second chances—file now to avoid missing out on money you may be entitled to.
The IRS deadline of April 15, 2025 is the last opportunity to claim your $1,400 stimulus check if you missed out. If you qualify, act now by filing your 2021 tax return and ensure your bank and contact info are accurate.
This could mean hundreds—or even thousands of dollars back in your pocket. Don’t delay. File today and claim what’s yours before it’s too late.
FAQs
Can I still claim the $1,400 stimulus check if I didn’t work in 2021?
Yes. Even with no income, you may qualify. You must still file a 2021 tax return to claim it.
Will claiming this credit affect my current benefits or taxes?
No. The Recovery Rebate Credit is not considered taxable income and will not reduce any federal benefits.
How long will it take to get the refund?
If you e-file with direct deposit, you could receive the payment in 3–6 weeks. Paper returns may take longer.