If you didn’t file a tax return for 2021, you might be leaving money on the table! The IRS is still sending out stimulus checks worth up to $1,400 to eligible individuals who didn’t receive them. But you need to act fast—there’s a deadline to claim your payment.
This payment comes from the Recovery Rebate Credit, part of the 2021 American Rescue Plan. If you qualify, you can still receive your money, but you must file a tax return by April 15, 2025. Let’s break down who is eligible, how much you could get, and what you need to do.
Who Qualifies for the $1,400 Stimulus Check?
Your eligibility depends on your adjusted gross income (AGI) from 2021. The payment amount is based on your income and starts to phase out at higher levels.
Income Limits for Full Payments
- Single Filers: If your AGI was $75,000 or less, you qualify for the full $1,400. The payment amount decreases if your income is above $75,000 and stops completely at $80,000.
- Married Couples Filing Jointly: If your combined AGI was $150,000 or less, you qualify for the full $2,800 (for two people). Payments phase out above $150,000 and stop at $160,000.
- Dependents: Families can receive $1,400 per dependent, regardless of age. However, the same income limits apply.
If you qualify but haven’t received the money yet, the IRS may still send it to you. However, if you haven’t filed a 2021 tax return, you must file one before April 15, 2025 to claim your stimulus check.
How Will You Receive Your Payment?
The IRS will automatically send your stimulus payment using the method you selected for your 2023 tax return:
- If you used direct deposit, the money will go into your bank account.
- If you didn’t provide banking information, the IRS will send you a paper check by mail.
If you’re unsure whether you qualify, you can check your IRS tax transcript or contact the IRS for more information.
What Happens If You Haven’t Filed a Tax Return?
The IRS started issuing these payments automatically in December 2024. If you already filed your 2021 tax return but didn’t claim the Recovery Rebate Credit, the IRS may still send you the money. However, if you haven’t filed your 2021 tax return, you must do so before April 15, 2025, to receive the payment.
The IRS only allows taxpayers three years to claim refunds or credits. After April 15, 2025, you won’t be able to claim this money anymore.
If you missed out on the 2021 stimulus check, you still have time to claim up to $1,400 per person. But you need to act before April 15, 2025. Filing a tax return may be the key to getting your money, even if you normally don’t file. The IRS is making these payments automatically, so check your tax records and see if you qualify. Don’t leave money on the table—file your return and claim what’s yours!
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