Millions of Americans have already received their 2021 recovery rebate credit, but a limited group of people still have time to claim theirs. If you did not receive your third stimulus payment, you may be eligible for up to $1,400 per person—but the deadline to file a 2021 tax return is April 15, 2025.
If you believe you’re owed this money, now is the time to act. Here’s everything you need to know about eligibility, how to claim the credit, and what happens if you miss the deadline.
What Is the 2021 Recovery Rebate Credit?
The 2021 recovery rebate credit was part of the third round of stimulus payments issued by the federal government in response to the COVID-19 pandemic.
- Maximum credit: $1,400 per person
- Married couples filing jointly: Up to $2,800
- Families with dependents: Additional $1,400 per qualifying dependent, including adult dependents
If you didn’t receive this payment in 2021, you must file a 2021 tax return to claim it.
Who Qualifies for the $1,400 Credit?
Not everyone qualifies for the full $1,400 credit—your eligibility depends on your income and filing status.
Income Limits for Full Credit
| Filing Status | Full Credit if AGI is Below | Phase-Out Range | No Credit if AGI Exceeds |
|---|---|---|---|
| Single | $75,000 | $75,000 – $80,000 | $80,000+ |
| Married Filing Jointly | $150,000 | $150,000 – $160,000 | $160,000+ |
| Head of Household | $112,500 | $112,500 – $120,000 | $120,000+ |
If your adjusted gross income (AGI) is within the phase-out range, you may receive a partial credit. Those earning above the limits do not qualify.
How to Claim the 2021 Recovery Rebate Credit
If you haven’t filed a 2021 tax return, you must file by April 15, 2025, to claim your stimulus money.
Step-by-Step Guide to Claiming the Credit
Step 1: Check Your Records
- Review bank statements or IRS notices (Notice 1444-C) to confirm if you received the stimulus payment in 2021.
- If you didn’t receive the full amount, you can claim the difference as a tax credit.
Step 2: File a 2021 Tax Return
- Even if you weren’t required to file taxes, you must file to claim the credit.
- If you qualify, the credit will either reduce your tax bill or be added to your refund.
Step 3: Fill Out Line 30 on IRS Form 1040
- The recovery rebate credit is claimed on Line 30 of Form 1040 for the 2021 tax year.
Step 4: Choose a Filing Method
- IRS Free File (for incomes below $73,000)
- Volunteer Income Tax Assistance (VITA) programs for free help
- Tax professionals for guidance
Step 5: Submit Your Return Before April 15, 2025
- If you miss this deadline, you lose your chance to claim the credit forever.
Why Some People Haven’t Received Their Stimulus Money
While most Americans got their payments automatically, some people did not receive their full stimulus amount due to:
Banking errors or outdated direct deposit information
IRS mailing errors (wrong address, undelivered checks)
Income or dependency changes between 2020 and 2021
New dependents (such as a baby born in 2021) who were not included
Not filing a 2021 tax return yet
If any of these apply to you, you should file now to claim what you’re owed.
Other 2021 Tax Credits You Might Qualify For
Even if you received your stimulus check, you might still be eligible for other 2021 tax credits that could increase your refund:
| Tax Credit | Maximum Amount | Eligibility |
|---|---|---|
| Child Tax Credit (CTC) | Up to $3,600 per child | Must have qualifying dependent children |
| Earned Income Tax Credit (EITC) | Up to $1,502 (childless) or $7,430 (with dependents) | Based on income & filing status |
| Child & Dependent Care Credit | Up to $8,000 | For childcare expenses while working |
Filing a 2021 tax return can help you claim these credits before they expire.
Beware of Scams & IRS Impersonators
Scammers are targeting taxpayers by promising fake stimulus refunds. The IRS does not call, text, or email about tax refunds.
Red Flags of Scams:
Calls or emails claiming you must “verify” your tax info
Offers to file a claim for you in exchange for a fee
Requests for personal banking details
If you’re unsure whether you qualify, check directly with the IRS website or speak with a tax professional.
If you never received your 2021 stimulus check, this is your last chance to claim it.
You must file a 2021 tax return before April 15, 2025, or risk losing the money forever.
Even if you normally don’t file taxes, you must file to receive the credit.
Don’t leave money on the table—file your 2021 tax return today!
FAQs
1. When is the deadline to claim the $1,400 payment?
You must file a 2021 tax return by April 15, 2025.
2. How do I know if I already received my 2021 stimulus check?
Check your bank statements or look for IRS Notice 1444-C, which was mailed to recipients in 2021.
3. What if I didn’t file taxes in 2021 because I had low income?
You still qualify and must file a 2021 tax return to claim the credit.
4. Can I get the credit for my dependents?
Yes! Each qualifying dependent (including adult dependents) qualifies for an additional $1,400.
5. Will my 2021 tax refund be delayed if I claim this credit?
Yes. By law, the IRS must hold refunds claiming the recovery rebate credit until mid-February for verification.
