IRS Stimulus Check: When Is the Final Deadline to Apply? Here’s What You Need to Know

If you missed your shot at getting the third round of stimulus payments in 2021, don’t worry—you may still have time to claim up to $1,400 per person. But time is running out. The IRS has set a final deadline of April 15, 2025 to apply for these funds through the 2021 Recovery Rebate Credit (RRC). Here’s what you need to know to make sure you don’t miss out.

Why You May Be Eligible

The third round of stimulus checks, issued in early 2021, provided up to $1,400 per individual and $2,800 for married couples filing jointly. Many Americans received their payments automatically, but some people were missed, including:

• Individuals who didn’t file taxes in recent years due to low income
• Families who had new dependents or experienced life changes during the pandemic
• People who were eligible but didn’t apply through the IRS non-filer portal

If you didn’t get this payment or received less than expected, you may qualify for the RRC by filing a 2021 federal tax return, even if you don’t usually file taxes.

Key Date: April 15, 2025

The IRS has given taxpayers a three-year window from the original filing deadline to claim refunds. This means you must submit your 2021 return by April 15, 2025, to secure the Recovery Rebate Credit. If you miss the deadline, you won’t be able to receive this stimulus money.

Good News: IRS Sending Automatic Payments

The IRS recently announced that over 1 million taxpayers will receive automatic payments of up to $1,400 if they previously filed their 2021 returns but did not claim the credit. These payments are expected to hit bank accounts by the end of January 2025. If you’re eligible for this automatic payment, you don’t need to take any action—just keep an eye on your mailbox or bank account.

How to Claim Your Stimulus Money

If you didn’t automatically receive the check, here’s how to claim it:

1. Gather Documentation: Collect your 2021 income statements and personal identification.
2. File a 2021 Tax Return: Complete Form 1040 or 1040-SR. Make sure to include the correct Recovery Rebate Credit amount.
3. Double-Check Your Filing: Use the IRS’s free resources, including their online Recovery Rebate Credit tool, to confirm your eligibility.

Even if you had zero income in 2021, you’re still eligible to file and claim the credit.

Need Help? IRS Offers Free Assistance

The IRS has programs like Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) to help people file their returns. You can find a local site or call 800-906-9887 for assistance.

What Happens If You Miss the Deadline?

Unfortunately, if you don’t file by April 15, 2025, you’ll lose the chance to claim your stimulus payment permanently. The IRS does not offer extensions for this credit after the deadline.

Don’t Wait Until the Last Minute

The IRS encourages everyone to act quickly. Waiting until 2025 could result in complications or processing delays. Even if you think you’re not eligible, it’s worth checking because $1,400 per person can make a significant difference.

By claiming your share of the Recovery Rebate Credit now, you’ll ensure that you don’t miss out on money that’s rightfully yours. If you’re unsure whether you qualify, use the IRS tools or seek assistance from a tax professional.