The IRS is holding more than $1 billion in unclaimed stimulus checks and refunds—money that could still be in your name. Over 1.1 million Americans didn’t file their 2021 federal tax return, missing out on the $1,400 third-round stimulus payment. But there’s still time to act: the deadline is July 22, 2025.
Why This Money Is Still Available
The American Rescue Plan Act authorized a third stimulus payment in 2021. While most eligible Americans received it automatically, many with low or no income, such as students, part-time workers, retirees, and individuals without a filing obligation, were left out.
The IRS requires a 2021 tax return to verify eligibility and issue the payment. Without it, the money remains unclaimed.
Who’s Eligible for the $1,400 Recovery Rebate Credit?
You may still qualify if you meet all of these conditions:
- Didn’t file a 2021 tax return.
- Didn’t receive the $1,400 stimulus in full.
- Had a valid Social Security number.
- Were not claimed as a dependent on someone else’s return.
- Earned within income limits for full or partial payment.
Income Thresholds:
| Filing Status | Full Payment If Income ≤ | Fully Phased Out At |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Filing Jointly | $150,000 | $160,000 |
| Head of Household | $112,500 | $120,000 |
Even if you earned no income, you’re still eligible—but you must file a 2021 return to claim it.
How to File and Claim Your Payment
Follow these steps to claim your $1,400 Recovery Rebate Credit:
- Gather Required Documents
- Social Security number
- W-2 or 1099 (if applicable)
- Bank account info for direct deposit
- File a 2021 Federal Tax Return
- Use IRS Free File, paper Form 1040, or get help from a local VITA/TCE site.
- Fill Out the Recovery Rebate Credit Section
- Use the IRS worksheet provided in the form instructions.
- Submit Before July 22, 2025
- After this date, you lose your right to claim the payment.
Other Tax Credits You Might Qualify For
Filing your 2021 tax return may also unlock additional refundable credits, even if you had no income.
| Tax Credit | Potential Value | Eligibility |
|---|---|---|
| Earned Income Tax Credit | Up to $6,728 | Low-to-moderate income earners |
| Child Tax Credit | Up to $3,600/child | Children under age 17 |
| Additional Child Tax Credit | Varies | For low-income families |
| American Opportunity Credit | Up to $2,500 | Education expenses (college, training programs) |
Real Example: Why Filing Matters
Anna, a single mom from Ohio, didn’t file her 2021 return thinking she earned too little. After learning about the deadline, she filed and received $1,400 in stimulus plus $3,600 for her child under the CTC—a total of $5,000.
That money helped her catch up on rent and bills.
Why People Haven’t Filed Yet
Common misconceptions and barriers include:
- Belief they earned too little to file
- Fear of IRS audits or taxes owed
- Confusion about eligibility
- Missed communications or mail issues
- Misinformation about immigrant status or family situations
Important: If you’re owed money, the IRS won’t penalize you for filing late. There is no risk in claiming your refund.
Where to Get Help
Need assistance? These free tools can guide you:
- IRS Free File – For those earning under $73,000
- VITA (Volunteer Income Tax Assistance) – Offers in-person help
- TCE (Tax Counseling for the Elderly) – For individuals 60+
- Community programs – Many non-profits offer tax clinics
Search for a location near you on the IRS website.
The clock is ticking on $1 billion+ in unclaimed IRS stimulus checks. If you or someone you know didn’t file a 2021 federal tax return, now is the time. The July 22, 2025 deadline is final. Filing is free, safe, and could return $1,400 or more to your pocket.
Don’t miss this opportunity—file now and claim what’s rightfully yours.
FAQs
What is the deadline to claim the unclaimed IRS stimulus check?
You must file your 2021 tax return by July 22, 2025.
Can I still get the $1,400 stimulus if I had no income in 2021?
Yes, you’re still eligible as long as you file a 2021 tax return.
Is it free to file my taxes to claim this refund?
Yes. Use IRS Free File, VITA, or TCE services at no cost.