The IRS has a surprise for over 1 million Americans this summer. If you missed out on claiming the 2021 stimulus, you could receive up to $1,400 automatically—no action needed. These payments will arrive across June and July 2025, giving you a second chance at money you deserve.
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit (RRC) was created to help those who did not receive full COVID-19 stimulus payments in 2020 and 2021. Eligible individuals could claim up to $1,400 per person, $2,800 per couple, and $1,400 per dependent. Unfortunately, many left this credit blank or entered zero on their 2021 tax returns .
Why the IRS Is Sending Payments Now
IRS data shows over 1 million taxpayers missed the RRC, meaning they never received money they were eligible for . Commissioner Danny Werfel said the agency wants to make things right without requiring amended returns. So, the IRS started sending automatic payments in January 2025, and now a new wave of payments will land in June and July 2025.
Who Qualifies?
You need to meet these conditions:
- Filed a 2021 tax return but didn’t claim the RRC.
- Earned less than $75,000 (single), $150,000 (married), or $112,500 (head of household) .
- Did not file 2021 but file before the April 15, 2025 deadline to claim the credit .
If you miss that deadline, you lose the chance forever, and the money goes to the Treasury.
How to Get Your Money
Here’s the easy part—you don’t need to do anything if you already filed your 2021 return and qualify. The IRS will use your 2023 tax return bank information or mail a check. A letter will arrive confirming payment details .
If you didn’t file a 2021 return, you still have until April 15, 2025 to do so—and claim the credit. Act before that deadline to receive payments in June or July 2025 .
Payment Timing
- January 2025: Initial payments sent based on IRS data.
- June–July 2025: Second wave for those missed by the first.
- A formal IRS letter will arrive before your payment .
Look Out for Scams
Scammers are sending fake texts pretending to be the IRS, asking for personal data to “release your $1,400”. These are dangerous scams . The IRS will never text you first. If you get a suspicious message, ignore it and verify through IRS.gov.
This IRS effort to distribute Recovery Rebate Credit automatically in June and July 2025 offers a second chance for many who missed stimulus aid. No action is needed if you filed in 2021 and qualify—but if you haven’t filed, you must by April 15, 2025. Expect your payment soon and stay alert to scams. This is your final shot to receive money you rightfully earned during difficult times.
FAQs
Q1: Do I need to apply to get the money?
No. It’s automatic if you filed your 2021 return and qualify.
Q2: I didn’t file in 2021—can I still get the payment?
Yes—file before April 15, 2025, to qualify for the June–July wave.
Q3: How much will I receive?
Up to $1,400 per individual, possibly more for couples and dependents.
Q4: When will I get the payment?
Some payments arrive June–July 2025, plus a confirming letter.
Q5: What about scams?
Ignore texts asking for info. Always check official updates at IRS.gov.
