Millions of Americans may still have unclaimed stimulus funds from 2021—but the clock is ticking. If you didn’t receive the full amount of the third-round Economic Impact Payment, you still have time to claim what you’re owed. But the deadline is April 15, 2025, and missing it means forfeiting the money forever.
This is not a new stimulus—it’s your final opportunity to receive the third-round payment through the Recovery Rebate Credit by filing your 2021 federal tax return.
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit is a tax credit tied to the third-round stimulus payments distributed under the American Rescue Plan Act in 2021. While most eligible Americans received their checks automatically, some missed out due to various reasons—like not filing taxes, outdated bank information, or moving addresses.
If you didn’t receive the full $1,400 per eligible individual, or anything at all, you can still get it by submitting a 2021 tax return.
Why You May Have Missed the Payment
The IRS estimates nearly 1 million Americans could still be eligible for the third stimulus payment. Common reasons for missing out include:
- Not filing a 2021 tax return
- Income too low to require filing
- Moved or changed address in 2021
- Incorrect or outdated banking details
- Dependent status not updated
- Partial payment received in error
Even if you received part of the payment, you can claim the rest.
Who Is Eligible?
Eligibility criteria are similar to previous rounds of stimulus checks and are largely income-based:
| Filing Status | Income Limit (Full Credit) | Partial Credit Phase-Out |
|---|---|---|
| Single | Up to $75,000 | Up to $80,000 |
| Head of Household | Up to $112,500 | Up to $120,000 |
| Married Filing Jointly | Up to $150,000 | Up to $160,000 |
Additional Eligibility Notes:
- You must have a valid Social Security number.
- You must not have been claimed as a dependent in 2021.
- U.S. citizens and resident aliens are eligible.
- Even those who earned $0 in 2021 can file to claim the credit.
How to Claim Your Payment
To receive your missing stimulus money:
- File a 2021 tax return (not 2024 or 2025).
- Locate the “Recovery Rebate Credit” section on the return.
- Calculate the amount you’re owed and report it accurately.
- Submit the return electronically or via mail.
Important Deadline:
You must file by April 15, 2025. After that, you can no longer claim the 2021 credit.
How Fast Will You Get Paid?
Once your return is accepted and processed, the IRS will issue your credit—either via direct deposit or a mailed check.
- Processing Time: Typically 4 to 6 weeks
- E-filing is faster than mailing your return
- Payments began rolling out in late 2024 for late filers
- If you file in early 2025, expect a quick turnaround
Watch Out for Scams
Scammers often target tax season. Here’s how to protect yourself:
- The IRS never calls or texts you for stimulus payments
- Don’t share personal info with unverified sources
- Only use IRS.gov or reputable tax software to file
If anyone claims they can “get you a new stimulus check,” be skeptical—this is not a new check, it’s your last chance to claim a missed one from 2021.
Final Thoughts
If you or someone you know missed out on the 2021 stimulus check, there’s still time—but not much. Filing your 2021 tax return by April 15, 2025 is the only way to claim up to $1,400 per person that may still be waiting. Whether your income was low or nonexistent, you can still qualify. Don’t leave money on the table—act now while the window is still open.
FAQs
How much can I still get?
Up to $1,400 per eligible individual.
Do I need income to qualify?
No. Even if you had $0 income, you can file and claim the credit.
Can I file a 2024 or 2025 return to claim it?
No. You must file a 2021 tax return.
Where do I claim the credit?
Look for the “Recovery Rebate Credit” section on the 2021 tax return form.
What happens if I miss the April 15, 2025 deadline?
You lose the refund forever. No exceptions.
Can someone help me file a 2021 return now?
Yes. Tax professionals, IRS Free File, and some software providers still allow you to file prior-year returns.
