$1,390 Stimulus Payment Coming in 2025 – Check If You Qualify!

A surprising financial opportunity is available in 2025, and many Americans don’t even know it exists. If you missed out on the third round of Economic Impact Payments in 2021, you may be eligible to claim up to $1,390 through the IRS Recovery Rebate Credit. This isn’t a new payment, but it could be new money for you.

Let’s break down everything you need to know about this stimulus credit, including eligibility, how to claim it, and why the deadline of 20 July, 2025 matters more than ever.

Overview

Here’s a snapshot of what this stimulus payment is all about:

What

This payment comes from unclaimed funds related to the third stimulus check issued in 2021. That payment was part of the American Rescue Plan and offered up to $1,400 per person. Many people didn’t receive their full amount, and some didn’t receive anything at all due to non-filing or incorrect income records.

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The Recovery Rebate Credit lets you claim the missing amount, but only if you file a 2021 tax return by the 20 July, 2025 deadline.

Who

You may be eligible for the Recovery Rebate Credit if you meet the following criteria:

• You did not receive the full 2021 stimulus check
• You were a U.S. citizen or resident alien in 2021
• You were not listed as a dependent on someone else’s return
• Your income in 2021 was:
  • $75,000 or less (single)
  • $112,500 or less (head of household)
  • $150,000 or less (married filing jointly)

If your income was slightly above those thresholds, you may still qualify for a partial payment.

You could also be eligible if:

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• You had a baby in 2021 and didn’t update your tax records
• You gained a new dependent in 2021
• You lost income compared to 2020
• You were unemployed or on benefits in 2021
• You didn’t file a 2021 return but met income requirements

Even if you don’t normally file taxes, like seniors or college students, you can still file just to claim this credit.

Claim

Here’s a simple step-by-step guide to help you claim your payment:

Step 1

Check the IRS Recovery Rebate Credit page or ask a tax advisor to confirm you qualify.

Step 2

Use IRS Form 1040 and fill out the Recovery Rebate Credit worksheet. This step is required even if you weren’t normally expected to file taxes.

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Step 3

The absolute last day to file your 2021 return and get the payment is 20 July, 2025. If you miss this date, the funds are forfeited.

Step 4

Use platforms like IRS Free File, TurboTax, or H&R Block. This speeds up the process and reduces the risk of delays.

Step 5

After filing, use the IRS Where’s My Refund tool to track your credit status and payment delivery.

Example

Sarah, a single mom who earned $30,000 in 2021, didn’t file taxes that year. She also had a baby in May 2021 and didn’t know she qualified for a stimulus check. In June 2025, she visits a local VITA tax center and files her 2021 return. A few weeks later, she receives $1,390 in her bank account.

That payment helps her pay overdue bills and catch up on rent. Like Sarah, millions of others may be eligible but unaware.

Why

The IRS gives taxpayers up to three years to claim a refund or credit from a given tax year. That’s why the final cutoff for claiming the 2021 Recovery Rebate Credit is 20 July, 2025. Once this date passes, the money goes back to the U.S. Treasury, and you lose your chance to claim it forever.

Tips

Here’s how to make sure you don’t miss out:

• File your 2021 return today if you haven’t already
• Use IRS Free File if your income was under $73,000
• Ask for help at a VITA or TCE site near you
• Gather proof of income and dependents for 2021
• Don’t pay upfront fees—filing for this credit should be free

FAQs