Missed the $1,400 Stimulus Check: If you missed the third round of COVID-19 stimulus checks in 2021, there’s still time to claim what you’re owed. You may be eligible for up to $1,400 through the 2021 Recovery Rebate Credit, but time is running out fast. The deadline to file your 2021 tax return and claim this credit is April 15, 2025.
Missed the $1,400 Stimulus Check
| Detail | Description |
|---|---|
| Credit Name | 2021 Recovery Rebate Credit |
| Maximum Amount | $1,400 for individuals, $2,800 for married couples filing jointly |
| Eligibility Income Limits | Up to $75,000 (single), $112,500 (head of household), $150,000 (married) |
| Deadline to File | April 15, 2025 |
| Filing Link | IRS Free File |
| Official Info | IRS Recovery Rebate Credit FAQs |
If you missed the $1,400 stimulus check, don’t panic. You still have time to claim it by filing a 2021 tax return and requesting the Recovery Rebate Credit. This is your last chance before the April 15, 2025 deadline. With up to $1,400 per person on the line, it’s worth a few minutes to check your eligibility and file today.
For more official information, visit the IRS Recovery Rebate Credit FAQs.
What Is the 2021 Recovery Rebate Credit?
The 2021 Recovery Rebate Credit is a refundable tax credit for those who missed or received less than the third Economic Impact Payment (EIP), often referred to as the “third stimulus check.” This payment was part of the American Rescue Plan Act, which was signed into law in March 2021.
You can claim this credit if:
- You didn’t receive the third stimulus check
- You received less than the full amount (e.g., due to a change in income or number of dependents)
- You did not file a 2021 tax return at all
You can still claim the full amount owed to you — up to $1,400 per person, including eligible dependents.
Who Is Eligible for the Recovery Rebate Credit?
Eligibility depends on income, filing status, and having a valid Social Security Number (SSN). Here’s a breakdown:
Income Thresholds for Full Credit:
- Single filers: Adjusted Gross Income (AGI) of $75,000 or less
- Head of household: AGI of $112,500 or less
- Married filing jointly: AGI of $150,000 or less
Credit Phase-Out:
- Completely phases out at:
- $80,000 (single)
- $120,000 (head of household)
- $160,000 (married)
Other Requirements:
- Must have a valid SSN (for you, your spouse, and qualifying dependents)
- Must be a U.S. citizen or resident alien
Even if you had little or no income, you still qualify — but you must file a 2021 tax return to claim it.
Missed the $1,400 Stimulus Check: How to Claim the Credit Before the 2025 Deadline
If you think you’re eligible, don’t delay. Follow these steps:
Step 1: File Your 2021 Tax Return
You must file a 2021 federal tax return, even if you don’t usually file taxes. The IRS will use this return to determine your eligibility for the credit.
Step 2: Use IRS Free File
If your income is $73,000 or less, you can file your taxes for free online using IRS Free File. This service is still available for 2021 returns.
Step 3: Complete the Recovery Rebate Credit Section
While filing, make sure to fill out the section titled Recovery Rebate Credit. This will prompt you to enter how much of the third stimulus payment you received (if any) so the IRS can calculate what you’re still owed.
Step 4: Review Any IRS Notices
The IRS may have already issued you a partial payment or sent you a Notice 1444-C confirming your third stimulus amount. Keep that handy when you file.
What If You Miss the Deadline?
If you do not file by April 15, 2025, you will lose your right to claim the Recovery Rebate Credit. Once the deadline passes, the money goes back to the U.S. Treasury and you won’t be able to get it later.
Also, note that there is no penalty for filing late if you are owed a refund. So if you’re eligible for the rebate, there’s no downside to filing late — just don’t miss the final cutoff.
Helpful Tools and Tips
- Check Your IRS Account: Log into your IRS Online Account to view past stimulus payments.
- Need Help Filing?: Call the Volunteer Income Tax Assistance (VITA) program or visit local tax help centers.
- Use Direct Deposit: To receive your refund faster, opt for direct deposit when filing.
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FAQs on Missed the $1,400 Stimulus Check
Q1: What if I no longer have Notice 1444-C?
No problem. You can still claim the credit. Just check your IRS account for records of stimulus payments received.
Q2: Can I claim for my dependents too?
Yes. You can receive up to $1,400 for each eligible dependent, provided they have valid SSNs.
Q3: What if I moved or changed banks?
When filing, update your current mailing address and bank account information. Refunds will be issued accordingly.
Q4: Can I still use paid tax software for 2021?
Yes, some tax software providers still allow you to file prior year returns, but IRS Free File may be the easiest free option.
