If you haven’t filed your 2021 tax return, you might still be eligible for the third stimulus check—but time is running out! The IRS allows late filers to claim the $1,400 per person stimulus payment through the Recovery Rebate Credit (RRC). However, you must act before the April 15, 2025 deadline to receive any missing funds.
This guide will walk you through who qualifies, how to file, and what happens if you miss the deadline. Plus, we’ll cover frequently asked questions (FAQs) to help you claim the money you’re owed.
Can You Still Get Your 2021 Stimulus Check in 2025?
Yes! If you never received your third stimulus payment, you can still claim it by filing your 2021 tax return. Many people missed out on the Economic Impact Payment (EIP) due to filing errors, outdated IRS records, or not filing a tax return at all.
Here’s why some taxpayers never received their stimulus check:
✅ They did not file a 2021 tax return.
✅ Their income information was outdated with the IRS.
✅ They were mistakenly claimed as a dependent.
✅ Their bank details or mailing address were incorrect.
If you were eligible but didn’t receive your full $1,400 stimulus payment, the only way to claim it now is through the Recovery Rebate Credit (RRC) when filing your 2021 tax return.
Who Qualifies for the 2021 Recovery Rebate Credit?
To be eligible for the Recovery Rebate Credit, you must:
✅ Have a valid Social Security number (SSN)
✅ Be a U.S. citizen or resident alien in 2021
✅ Not have been claimed as a dependent on someone else’s return
✅ Not have received the full $1,400 stimulus payment
Income Limits for Full Eligibility:
- Single filers: Less than $75,000 (phases out at $80,000)
- Married filing jointly: Less than $150,000 (phases out at $160,000)
- Head of household: Less than $112,500 (phases out at $120,000)
If your income was too high, your stimulus check may have been reduced or eliminated.
How to Claim the Recovery Rebate Credit in 2025
Step 1: Check If You Need to File a 2021 Tax Return
If you never filed your 2021 taxes, you’ll need to do so before April 15, 2025 to claim your stimulus payment. Even if you had zero income, filing is required to receive your missing check.
Step 2: Gather Your Documents
To file your 2021 return, you’ll need:
📌 Your Social Security number (SSN)
📌 IRS Notice 1444-C (if you received a partial payment)
📌 Any W-2s, 1099s, or tax documents from 2021
📌 Your bank account details for direct deposit
📌 Proof of dependents (if applicable)
Step 3: File a 2021 Tax Return
✅ File electronically via IRS Free File, TurboTax, or H&R Block.
✅ Paper file? Use Form 1040 and mail it to the IRS.
Step 4: Claim the Recovery Rebate Credit on Line 30
On Form 1040, Line 30, enter the amount of stimulus money you should have received. The IRS will verify your claim and issue a refund if you qualify.
Step 5: Submit Before the April 15, 2025 Deadline
The IRS will not accept late returns for stimulus checks after this date. Ensure your return is postmarked or electronically filed before the deadline.
What Happens If You Miss the April 15, 2025 Deadline?
❌ You lose your right to claim the stimulus check.
❌ You cannot file a 2021 tax return after this date for a refund.
❌ Your Recovery Rebate Credit will no longer be available.
If you believe you’re owed money, don’t wait—file as soon as possible!
Frequently Asked Questions (FAQs)
1. How long will it take to get my refund?
- E-filed returns: Usually processed within 21 days.
- Mailed paper returns: Can take 6-8 weeks.
2. Can I file my 2021 taxes online in 2025?
Yes! You can use:
✅ IRS Free File
✅ Tax software like TurboTax or H&R Block
3. Will my stimulus check be taxed?
No. Stimulus payments are not taxable and will not affect your 2025 tax return.
4. What if I already filed my 2021 taxes but didn’t claim the RRC?
You may need to file an amended return (Form 1040-X) if you were eligible but didn’t claim the credit.
5. What if my stimulus payment was sent to the wrong bank or address?
Check your payment status using the IRS Get My Payment tool and request a payment trace if necessary.
6. Can I claim my missing child’s stimulus payment?
Yes! If your dependent’s stimulus money was not received, you can claim it through the Recovery Rebate Credit on your 2021 tax return.
Final Thoughts: Don’t Miss Your Money!
Filing your 2021 tax return in 2025 is your last chance to claim the $1,400 stimulus check if you missed out. Don’t wait until the April 15, 2025 deadline—start your filing process today to ensure you get the money you deserve!
For more details, visit IRS.gov or use IRS Free File to submit your return before it’s too late.