Attention taxpayers! If you still haven’t claimed your $1,400 Recovery Rebate Credit from 2021, this is your last chance to do so. The IRS deadline is April 15, 2025, and once it passes, your money could disappear forever. The IRS has confirmed that nearly $1 billion remains unclaimed from that stimulus round—so if you qualify, act now.
This payment is part of the third stimulus check issued during the pandemic, and thousands of eligible people never claimed it—mainly because they didn’t file their 2021 tax return. But it’s not too late.
What Is the $1,400 Recovery Rebate Credit?
The $1,400 Recovery Rebate Credit was part of the American Rescue Plan, aimed at supporting Americans during the COVID-19 crisis. While most people received it automatically, millions didn’t, especially those who weren’t required to file taxes at the time.
If you didn’t file a 2021 tax return, but your income qualifies, you can still claim the credit now by submitting the return before April 15, 2025.
Who Is Eligible for the $1,400 Payment?
To qualify for the Recovery Rebate Credit:
- Your adjusted gross income (AGI) must be $75,000 or less (single filer) or $150,000 or less (joint filer).
- If your income is between $75,000–$80,000 (or $150,000–$160,000 for couples), you may receive a reduced amount.
- Dependents—regardless of age—also qualify for an additional $1,400 each.
- You must not have already received the check in 2021.
If you’re married and file jointly, you could claim up to $2,800, plus more for any eligible dependents.
How to Claim the Credit
Claiming your payment is easier than you think. Here’s how:
- File your 2021 tax return, even if you’re also filing this year’s return.
- Include accurate income details and dependent information.
- Choose direct deposit for faster refunds.
Didn’t earn much in 2021? No problem. You can still qualify, even if your income was too low to require filing taxes at that time.
Can I Still Request an Extension?
Yes. If you need more time, file Form 4868 before April 15 to get an extension until October 15. But remember: an extension only gives you more time to file, not to pay any taxes you owe. So file early if you think you might owe money.
What If I Already Filed My 2021 Return?
If you already filed and received the check at the time, you cannot claim it again. But if you never filed in 2021, or your check was missed, now’s your chance to get that money.
IRS Processing Times
Refund speeds depend on how you file:
- Electronic returns: Usually processed in 21 days
- Paper returns: May take 4–6 weeks or more
- Direct deposit: Speeds up payment—average refund rises to $2,069
Check your refund status using the “Where’s My Refund?” tool on the IRS website. It’s available 24 hours after filing electronically or four weeks after mailing.
Bonus: Don’t Miss the EITC
While filing your 2021 return, also check if you qualify for the Earned Income Tax Credit (EITC). It offers up to $6,728 extra for low and moderate-income workers. Many families miss out just because they don’t apply.