Did you miss out on the $1,400 stimulus check back in 2021? You’re not alone — and there’s good news. The IRS has announced that about one million Americans may still be eligible to claim this payment. Whether you’re a first-time filer or simply unaware that you missed it, this guide will walk you through the steps to check your eligibility and claim what’s rightfully yours.
Overview
Here’s a quick look at the $1,400 stimulus and how it works in 2025:
| Topic | Details |
|---|---|
| Stimulus Amount | Up to $1,400 per eligible person |
| Eligibility Year | Based on 2021 tax return |
| Income Limits | $75K (single), $150K (married), $112.5K (head of household) |
| Deadline to File | June 15, 2025 |
| How to Get It | Via direct deposit or check after filing a 2021 tax return |
| IRS Tool | Recovery Rebate Credit (check status at IRS.gov) |
$1,400 Stimulus Payment
This payment was part of the American Rescue Plan Act passed in 2021 to support Americans financially during the pandemic. While most eligible people got their checks automatically, many missed out — due to missing returns, incorrect info, or eligibility confusion.
That’s where the IRS’s Recovery Rebate Credit comes in. It allows eligible individuals to retroactively claim the payment through their 2021 tax return.
Why Is It Happening Now?
The IRS continues to review old tax records to find individuals who were left out during the initial stimulus payment rollout. By identifying eligible taxpayers now, they’re ensuring no one misses the support they qualified for. You still have time — but only until June 15, 2025.
Who’s Eligible?
To claim the $1,400 payment in 2025, your eligibility is based on income, filing status, and whether you filed your 2021 taxes.
Income Thresholds
| Filing Status | Full Payment If Income ≤ | Phases Out At |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Filing Jointly | $150,000 | $160,000 |
| Head of Household | $112,500 | $120,000 |
Additional Criteria
- You must be a U.S. citizen or resident alien
- You must have filed a 2021 tax return
- If you have dependents, you may also qualify for an additional $1,400 per dependent
Examples
- Jane, a single filer earning $72,000 in 2021 with no dependents, is eligible for the full $1,400.
- Ben and Maria, married and earning $155,000 with one dependent, will receive a partial payment due to income phase-out but still benefit from a dependent credit.
How to Check If You Qualify
It’s quick to check:
- Review Your 2021 Tax Return
Look at the “Recovery Rebate Credit” section. If it’s blank or shows $0 and you meet the income rules, you may be eligible. - Log Into the IRS Website
Check your account at IRS.gov to see if a payment was already issued. - Call the IRS
If you’re still unsure, call the IRS directly using their helpline for stimulus queries.
How to Claim
- You don’t need to do anything else. The IRS will automatically issue your payment if you qualified but didn’t receive it.
- Payments will be sent to the account or address listed on your return.
If You Didn’t File a 2021 Return
- Step 1: File your 2021 tax return immediately.
- Step 2: Include the Recovery Rebate Credit amount when completing the return.
- Step 3: Submit it by June 15, 2025 to be eligible.
You can use tax software or work with a tax preparer to ensure it’s done right.
Pro Tip
Changed your bank or moved? Make sure to update your information with the IRS when filing. Otherwise, you might face delays receiving your payment.
FAQs
Who qualifies for the $1,400 payment?
Anyone who met the income and filing rules for 2021 and didn’t receive it.
How do I claim the payment?
File a 2021 tax return with the Recovery Rebate Credit by June 15, 2025.
Where do I check my status?
Log into your account at IRS.gov to view tax transcripts and payment history.
What if I changed my address or bank?
Update info when filing your return to avoid delays.
Is the $1,400 payment taxable?
No, the stimulus is not considered taxable income.
