The $1,400 stimulus payment is making headlines again, as the IRS has announced that nearly one million Americans might still be eligible for this financial relief. Originally part of the American Rescue Plan in 2021, this payment was meant to help individuals and families deal with the economic effects of the pandemic. But many missed out due to filing errors or incomplete information. If that sounds like you, don’t worry—you still have time to claim your money.
This guide walks you through the eligibility criteria, how to check out if you’re owed a payment, and the steps to claim it before the May 15, 2025 deadline.
Overview
| Topic | Details |
|---|---|
| Stimulus Amount | Up to $1,400 per eligible individual |
| Eligibility Criteria | Based on 2021 income and tax return status |
| Income Limits | $75k (single), $150k (joint), $112.5k (head of household) |
| Payment Method | Direct deposit or mailed check |
| Filing Deadline | May 15, 2025 |
| Official Resource | IRS Recovery Rebate Credit page |
If you missed your payment the first time around, this is your second chance to receive it—without having to apply for a new program.
What
The $1,400 stimulus was part of the American Rescue Plan, passed in 2021 during the height of the pandemic. While most payments went out that year, many taxpayers either didn’t file a 2021 return or left the Recovery Rebate Credit blank. The IRS is now catching up by issuing payments to those who missed out—so long as they meet the eligibility requirements and take action in time.
Why
So why is the IRS sending out payments now, in 2025? It comes down to tax reconciliation. If you qualified but didn’t claim the full amount on your 2021 tax return, the IRS is giving you until May 15, 2025, to file or amend that return. This ensures that every eligible person receives the funds they were entitled to.
Eligibility
To get the full $1,400 payment, your adjusted gross income (AGI) from 2021 must meet these guidelines:
| Filing Status | Full Payment Limit | Phase-Out Range |
|---|---|---|
| Single | Up to $75,000 | Phases out to $80,000 |
| Married Filing Joint | Up to $150,000 | Phases out to $160,000 |
| Head of Household | Up to $112,500 | Phases out to $120,000 |
Other requirements include:
- You must have filed (or now file) a 2021 tax return
- You must be a U.S. citizen or resident alien
- Dependents may also qualify you for extra funds
Examples
Example 1:
A single taxpayer who earned $68,000 in 2021 and didn’t claim the Recovery Rebate Credit can still get the full $1,400—just by filing or amending their return.
Example 2:
A married couple with one child earning $155,000 total in 2021 may receive a reduced amount due to the income phase-out range.
How to Check
Not sure if you’re eligible or already received the payment? Here’s how to check:
- Review Your 2021 Tax Return
Look at the Recovery Rebate Credit line. If it’s blank or $0, and you meet the income limits, you likely qualify. - Log into Your IRS Account
Go to IRS.gov and check your transcript or tax record. - Check IRS “Get My Payment” Tool
This tool can confirm whether the payment was sent and how. - Contact the IRS
If you’re unsure, give them a call or visit your local IRS office for help.
How to Claim
There are two paths depending on whether or not you’ve filed your 2021 tax return.
If You Already Filed in 2021
- The IRS will automatically issue the payment if you were eligible but didn’t receive it
- Funds will be sent by direct deposit or paper check based on your last tax return
If You Haven’t Filed Yet
- File your 2021 tax return before May 15, 2025
- Include the Recovery Rebate Credit calculation
- You can use IRS Free File or work with a tax professional
- Double-check for dependents, filing status, and income thresholds
Updating Your Info
Have you changed your bank account or moved since 2021?
Make sure to update your direct deposit or address details with the IRS to avoid delays.
Final Reminder
Time is running out, but it’s not too late to receive your $1,400 if you’re eligible. The IRS is still processing Recovery Rebate Credit claims tied to the 2021 tax year. By reviewing your return or filing a new one, you can claim what’s rightfully yours.
Don’t wait—May 15, 2025, is the final cutoff.
FAQs
Who qualifies for the $1,400 payment?
Those with 2021 income under IRS limits who didn’t get full credit.
What’s the deadline to file?
May 15, 2025 is the last day to claim the payment.
Do I need to reapply?
No—just file or amend your 2021 tax return to claim it.
How will I receive the money?
By direct deposit or paper check, depending on IRS records.
Can I get extra for dependents?
Yes, eligible dependents may increase your payment amount.
