In 2025, many people have heard rumors that a new $2,400 stimulus check is coming. These rumors are mostly seen on social media and shared by word of mouth. But the truth is simple: there is no new $2,400 federal stimulus check being sent out this year. However, there is still a way some people can get up to $1,400 if they missed the third stimulus payment from 2021. This is done through something called the Recovery Rebate Credit.
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit is part of the American Rescue Plan Act of 2021. It helped people during the COVID-19 pandemic. If you did not receive your third stimulus check (which was up to $1,400 per person), you may still be able to claim that money now—but only by filing a 2021 tax return with the IRS.
Why Are People Talking About $2,400?
The confusion comes because married couples could receive $1,400 each, which totals $2,800. When people say “$2,400,” they are likely just referring to a similar rounded amount. This makes it sound like a new payment, but it’s actually money from 2021 that was never claimed by some people.
Who Can Still Get the Money?
You may be eligible for this payment if:
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You did not get the third stimulus check in 2021
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You did not file taxes for 2021, or there was a mistake in your filing
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You meet the income limits:
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Single: Up to $75,000
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Married filing jointly: Up to $150,000
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Head of household: Up to $112,500
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The payment amount goes down if your income is above these limits.
Common Examples of People Who Missed It
Many people who missed out on the third stimulus include:
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College students who were dependents in 2020 but not in 2021
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Senior citizens or retirees who didn’t file taxes
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Low-income individuals who weren’t required to file taxes
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Homeless people or those who moved often and didn’t get proper mail
How to Claim Your $1,400 in 2025
If you think you’re eligible, here’s what to do:
Step 1: Check if You Qualify
Go to the IRS Recovery Rebate Credit page at irs.gov/recovery-rebate-credit to check your eligibility.
Step 2: File a 2021 Tax Return
Even if you don’t usually file taxes, you must file a 2021 return to get the money. You can:
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Use IRS Free File (for income under $73,000)
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Use tax software like TurboTax or H&R Block
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Hire a trusted tax preparer
Be sure to fill in the Recovery Rebate Credit section carefully.
Step 3: Wait for Your Payment
Once the IRS accepts your return, you’ll usually get your payment in 3 to 6 weeks. It may come by direct deposit or a mailed check.
✅ Tip: Create an IRS online account to track your payment status.
Real-Life Example: Maria’s Story
Maria is 22 years old and works part-time. She didn’t file a 2021 tax return because she didn’t earn enough. After learning about the Recovery Rebate Credit in 2025, she filed her return online using IRS Free File. In about five weeks, she received a $1,400 check, which she used to pay bills and buy groceries.
Deadline: Don’t Miss Out
The final date to claim this credit is June 15, 2025. After that, the IRS will not accept any new 2021 returns for this purpose. If you think you might qualify, act now—before it’s too late.
Warning: Watch Out for Scams
Be careful! Some people try to trick others with fake offers. Remember:
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The IRS will never call, text, or email you asking for personal information.
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Use only the official IRS website to file your return or get information.
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Don’t pay anyone who promises a “faster refund.”
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Report any suspicious activity to TIGTA.gov.
Final Thoughts
There is no new $2,400 stimulus coming in 2025. But if you missed the third stimulus payment in 2021, you may still be able to get up to $1,400. This money can help with rent, bills, groceries, or savings. Just be sure to file your 2021 tax return before June 15, 2025.
Don’t leave your money behind—check your eligibility today and claim what you’re owed!
