Many Americans are still eligible for a $1,400 stimulus check they may have missed during earlier rounds of pandemic relief. These payments—officially known as Recovery Rebate Credits—are available to individuals who didn’t receive their full stimulus amount in 2021. If you think you could be one of them, there’s still time to claim your money. But you’ll need to act before May 15, 2025.
This guide covers everything you need to know about the $1,400 check, including eligibility, how to claim it, and how to track your payment.
Overview
Let’s start with the basics:
| Topic | Details |
|---|---|
| Eligibility | Income-based: up to $75k single, $150k married, $112,500 HOH |
| Payment Amount | Up to $1,400 per individual, $2,800 for couples, plus dependents |
| Payment Method | Direct deposit or mailed check based on 2023 tax data |
| Filing Deadline | May 15, 2025 for 2021 return to claim Recovery Rebate Credit |
| IRS Website | Visit IRS.gov for tools and updates |
If you missed the earlier payments, this is your chance to catch up.
What
The $1,400 stimulus check is part of the third round of Economic Impact Payments issued during the COVID-19 crisis. While most payments went out in 2021, the IRS is still sending checks in 2024 to those who qualify but didn’t get the full amount.
This payment is technically a tax credit—called the Recovery Rebate Credit—tied to your 2021 tax return. If you haven’t filed that return yet or filed it without claiming the credit, you may be leaving money on the table.
Eligibility
To qualify for the $1,400 payment, here’s what you need to know:
Income Limits
The stimulus amount phases out at higher income levels. If your adjusted gross income (AGI) for 2021 was:
| Filing Status | Full Payment If Income Is Below |
|---|---|
| Single | $75,000 |
| Married Filing Jointly | $150,000 |
| Head of Household | $112,500 |
Above those levels, your payment decreases. If your AGI is above $80,000 (single) or $160,000 (married), you likely won’t qualify.
Dependents
You could also receive $1,400 for each dependent you claimed in 2021, no matter their age.
How to apply
If you never received your payment, or only got a partial amount, you’ll need to file your 2021 tax return and claim the Recovery Rebate Credit.
Step-by-Step Guide:
- Gather 2021 Tax Info
Collect any W-2s, 1099s, or income records from 2021. - File a 2021 Return
Even if you’re not required to file, doing so is the only way to receive this payment. Use tax software or a professional. - Claim the Credit
On your return, fill out the Recovery Rebate Credit section. This is where you request the payment you missed. - Submit Before May 15, 2025
That’s the final deadline to file a 2021 return and receive the credit. - Track the Payment
Use the IRS “Get My Payment” tool to check when your funds are on the way.
Payment
How will you get your money?
- Direct Deposit: If your bank info is on file, this is the fastest option
- Paper Check: Sent to the mailing address on your tax return
- Check My Payment: Track it using the IRS tool on IRS.gov
Make sure your contact details are current to avoid delays.
If not received
Still waiting for your check? Here’s what to do:
- Double-check your tax return: Make sure you claimed the Recovery Rebate Credit on the 2021 form
- Use IRS Tools: “Get My Payment” shows your status
- Contact the IRS: Call or visit your local office if there’s a problem
- Filing a Claim: If needed, amend your return or file a missing one
Extra Help
- IRS “Get My Payment” Tool: Updated daily with payment status
- Tax Pros Can Help: If you’re unsure about eligibility or need help filing
- Still Time to File: Late filing is allowed as long as it’s before May 15, 2025
- Update Your Info: Make sure your address or banking info is correct with the IRS
If you’re eligible for the $1,400 stimulus check but haven’t received it yet, now’s the time to act. By filing your 2021 tax return and claiming the Recovery Rebate Credit, you can get the payment you missed. Just don’t wait too long—after May 15, 2025, the opportunity will be gone.
FAQs
Who qualifies for the $1,400 check?
Those with 2021 income under set IRS limits and proper filing status.
Do I need to file taxes to get it?
Yes, file a 2021 return and claim the Recovery Rebate Credit.
Is there a deadline to apply?
Yes, file your 2021 return by May 15, 2025.
Can I track my stimulus check?
Yes, use the IRS Get My Payment tool to track status.
What if I didn’t get the full amount?
You can still claim the difference as a Recovery Rebate Credit.
