The IRS is sending $1,400 payments in 2025 to eligible taxpayers who missed claiming the full 2021 Recovery Rebate Credit. If you didn’t get your full stimulus money from 2021, this is your chance to claim it—but you need to act before April 15, 2025, if you haven’t filed your 2021 tax return. Here’s a simple guide to check eligibility, claim your payment, and stay safe from scams.
What Is the $1,400 IRS Payment?
This 2025 $1,400 payment is part of the Recovery Rebate Credit, linked to the third round of 2021 stimulus checks. The IRS discovered that about 1 million taxpayers missed claiming their full credit and is now sending these payments automatically.
- Payment Amount: Up to $1,400 per eligible adult, plus $1,400 per dependent
- Total Estimated Payout: $2.4 billion
- Payment Type: Direct deposit or mailed check
- Deadline for Non-Filers: File 2021 taxes by April 15, 2025
Who Qualifies for the Payment?
Eligibility depends on your 2021 income, filing status, and dependents:
| Filing Status | Full Payment Income Limit | Phase-Out Range |
|---|---|---|
| Single | $75,000 | $75k – $80k |
| Married Joint | $150,000 | $150k – $160k |
| Head of Household | Varies between single and joint limits | Varies |
Examples:
- Single filer with $70,000 income → Full $1,400
- Single filer with $78,000 → ~$1,250 after phase-out
- Married filing jointly with $140,000 and 2 dependents → $2,800 + $2,800
Tip: Even low-income taxpayers or non-filers can claim this by filing a 2021 tax return.
How to Receive Your Payment
Most eligible taxpayers don’t need to do anything if their 2021 taxes were filed correctly.
- Automatic direct deposit: Based on bank info from recent tax returns
- Paper check: If deposit fails or account info is missing
- IRS confirmation letter: Sent to your address
For those who missed filing:
- File your 2021 return ASAP using tax software or a professional
- Claim the Recovery Rebate Credit
- Track your payment by creating an IRS online account
Safety Tips: Avoid Stimulus Scams
The IRS will never:
- Call, text, or email asking for your bank info
- Request payment to release your stimulus check
- Threaten penalties to claim money
Stay safe: Only rely on official IRS websites or mailed letters.
FAQs
1. Is the $1,400 payment taxable?
No, it is not considered taxable income.
2. Will it affect Social Security or Medicaid?
No, it does not impact benefits like Social Security, SSI, SNAP, or Medicaid.
3. How can I check if I’ll receive it?
Set up an IRS online account or wait for the IRS confirmation letter.
4. Can dependents claim the payment?
Yes, each eligible dependent adds $1,400 to your payment.
5. What if I already received part of the stimulus?
The IRS will send the remaining amount automatically if eligible.
Bottom Line
The IRS $1,400 payment in 2025 is a second chance to claim relief from missed 2021 stimulus checks. Check your eligibility, file your 2021 return if needed, and protect yourself from scams. Acting promptly ensures the money goes straight into your hands, helping with bills, groceries, and financial stability.
Claim your payment now and don’t miss out!