Stimulus Payment Coming in 2025: If you missed out on the third round of Economic Impact Payments during the COVID-19 pandemic, here’s some great news you won’t want to ignore: a $1,390 stimulus payment could still be yours in 2025. That’s right—the Internal Revenue Service (IRS) is giving eligible Americans a final opportunity to claim the Recovery Rebate Credit (RRC). However, you must act fast because this opportunity won’t last forever.
Many Americans who were supposed to receive this third round of stimulus during the pandemic never got the full amount. Whether you were left out due to income confusion, lack of tax filings, or changes in your family situation, there is still hope. In this guide, we’ll explain everything you need to know to claim your $1,390 stimulus payment in 2025 before the April 15, 2025 deadline.
Stimulus Payment Coming in 2025
| Topic | Details |
|---|---|
| Stimulus Payment Amount | Up to $1,400 via Recovery Rebate Credit |
| Payment in 2025? | Yes, if eligible and claimed before April 15, 2025 |
| Who Can Claim? | U.S. citizens and residents who didn’t get full 2021 stimulus checks |
| Income Eligibility | Up to $75,000 (single), $150,000 (married filing jointly) |
| Action Needed | File a 2021 tax return to claim the credit |
| Official IRS Website | irs.gov |
The $1,390 stimulus payment in 2025 isn’t some government freebie. It’s money you might have already qualified for but missed due to a paperwork or filing gap. Don’t let this final opportunity pass you by. Whether you’re a retiree, a student, a new parent, or just someone who didn’t file in 2021, you could be eligible.
What Is the $1,390 Stimulus Payment in 2025?
Let’s clarify: this is not a new stimulus check being issued in 2025. Instead, it’s a final chance to retroactively claim money you were supposed to receive in 2021 as part of the third Economic Impact Payment (EIP). The full amount was up to $1,400 per eligible person, but millions missed all or part of it.
If you didn’t get the correct amount, or if your financial situation changed after the initial distribution, the IRS allows you to claim the missing funds as a Recovery Rebate Credit on your 2021 tax return. Based on IRS data, most people who are eligible are owed approximately $1,390.
Why Is This Payment Being Issued in 2025?
Taxpayers generally have a three-year window to claim a refund or tax credit for any given year. For the 2021 tax year, that deadline is April 15, 2025. According to a recent IRS announcement, more than 1 million Americans still haven’t filed or claimed their credit.
These funds are not a new round of stimulus but rather a last opportunity to collect what you’re rightfully owed.
Who Is Eligible for the $1,390 Stimulus Payment?
Here are the core eligibility requirements:
1. You Didn’t Receive the Full Stimulus in 2021
If you didn’t receive the full $1,400 stimulus check in 2021, or didn’t get one at all, you likely qualify to receive the difference via the Recovery Rebate Credit.
2. You Must File a 2021 Tax Return
Even if you weren’t required to file taxes that year (for example, if you’re retired or had low income), you must submit a return for 2021 to claim the credit.
3. Your Income Falls Below the Phase-Out Limits
| Filing Status | Full Credit If AGI Is Below |
| Single | $75,000 |
| Married Filing Jointly | $150,000 |
| Head of Household | $112,500 |
If your income is above these thresholds, your credit may be reduced or phased out entirely.
4. Valid Social Security Number
Both you and any dependents claimed must have valid SSNs to qualify.
How to Claim Your $1,390 Stimulus Payment in 2025
Claiming your payment isn’t hard, but it does require some action:
Step 1: Gather Your Financial Documents
Prepare the basics:
- Your SSN or ITIN
- Income statements for 2021 (like W-2s or 1099s)
- Proof of dependents (if applicable)
- Bank account info for direct deposit
Step 2: File a 2021 Tax Return
You can do this through:
- Online tax software like TurboTax, TaxSlayer, or H&R Block
- A certified tax professional or accountant
- The IRS’s Free File tool, available for incomes below $73,000
Step 3: Claim the Recovery Rebate Credit
Locate Line 30 on Form 1040. This is where you input your credit amount. The IRS will match this against their records and either approve it or adjust it accordingly.
Step 4: Submit Before April 15, 2025
This is the absolute deadline. Missing it could mean losing the opportunity forever.
Additional Real-Life Examples
Case 1: Maria, Retired Nurse Maria, aged 68, assumed she didn’t qualify for stimulus because her only income was Social Security. However, a tax preparer helped her file a 2021 return, and she received $1,390 in 2025.
Case 2: Jordan, College Graduate Jordan graduated in 2020 and had no job in 2021. He didn’t file taxes that year but was eligible. He files in 2025 and receives his missing stimulus in just five weeks.
Case 3: The Patels, New Parents The Patel family had a baby in 2021 but didn’t update their dependent info in time. In 2025, they file an amended return and receive an extra $1,400 for their child.
Already Filed in 2021? Here’s What to Do
If you already filed your 2021 return but didn’t claim the Recovery Rebate Credit:
- Use Form 1040-X to file an amended return
- Add the correct amount to Line 30
- Submit the amendment before April 15, 2025
Why People Missed the Payment
There are many reasons why Americans missed their full stimulus amount:
- Filed taxes early, before full rules were issued
- Didn’t file at all due to low or no income
- Added dependents after initial payment
- Had recent immigration or SSN approval
- Technical or identity errors with the IRS
Understanding these factors helps you identify if you or your loved ones might still be eligible.
Why This $1,390 Credit Matters More Than Ever
In 2025, with inflation driving up prices for food, gas, rent, and healthcare, $1,390 is more than just a number. It could mean:
- Paying off urgent debts
- Funding emergency expenses
- Catching up on utility bills
- Building a savings buffer
- Supporting family members
In uncertain times, every dollar counts. Don’t let this chance slip by.
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FAQs About Stimulus Payment Coming in 2025
Is the $1,390 stimulus payment new for 2025?
No. This is a retroactive Recovery Rebate Credit from the 2021 stimulus program. If you missed or didn’t get the full amount, this is your chance to claim it.
Can I claim it if I didn’t work in 2021?
Yes. Many people with zero income or only Social Security income can still qualify. You must still file a return to receive it.
What if I moved since 2021?
You can still claim the credit as long as you update your address with the IRS. Payments can also be sent via direct deposit.
Is this payment taxable?
No. Stimulus payments and credits are not considered taxable income by the IRS.
How long will it take to receive the payment?
Typically 4 to 8 weeks after your return is accepted. Processing times may vary.
