IRS Stimulus Payment: If you’ve heard buzz about a $1,390 IRS stimulus payment, you’re not alone—and if you missed out on the third round of Economic Impact Payments (EIPs) during the COVID-19 pandemic, you may still be able to claim that money. The IRS is reminding Americans they could receive up to $1,400 per person through the Recovery Rebate Credit (RRC). But time is running out: the deadline to file your 2021 tax return is April 15, 2025.
IRS Stimulus Payment
| Topic | Details |
|---|---|
| Payment Amount | Up to $1,400 per eligible person through the Recovery Rebate Credit (RRC) |
| Claim Deadline | April 15, 2025 (IRS 2021 tax return filing deadline) |
| Eligibility Criteria | Based on 2021 Adjusted Gross Income (AGI), SSN status, and dependency rules |
| Income Limits | Up to $75,000 (single), $150,000 (married filing jointly) for full credit |
| How to Claim | File your 2021 federal tax return with Form 1040 |
| Official Website | IRS Economic Impact Payments |
The $1,390 IRS stimulus payment is not a new stimulus check—it’s your second chance to claim money you may have missed in 2021. Thanks to the Recovery Rebate Credit, you could get up to $1,400 per person if you meet the eligibility rules. Just remember to file your 2021 tax return by April 15, 2025 to make sure you don’t miss out.
What Is the $1,390 IRS Stimulus Payment?
The $1,390 figure is a common estimate for individuals who qualify for the third round of stimulus payments but did not receive it during the original distribution. In reality, the maximum Recovery Rebate Credit for 2021 is $1,400 per person, including dependents.
The IRS provided this credit during the pandemic as part of the American Rescue Plan Act of 2021. While most eligible people got their payments automatically, over 1 million households never claimed theirs—and now the IRS is urging them to file a 2021 return to receive it.
Who Is Eligible for the Recovery Rebate Credit?
To qualify for this stimulus payment, you must meet several requirements:
• Income Limits
- Single filers: AGI up to $75,000 get the full $1,400.
- Married couples filing jointly: AGI up to $150,000 get $2,800 (plus $1,400 per dependent).
- Credit phases out completely at $80,000 (single) or $160,000 (married filing jointly).
Valid Social Security Number (SSN)
You must have had a valid SSN by the tax return due date.
Dependent Status
You cannot be claimed as a dependent on someone else’s 2021 tax return.
U.S. Citizenship or Residency
You must have been a U.S. citizen or resident alien in 2021.
Tip: If you had a child in 2021, you may be eligible for an additional $1,400 even if you received your own stimulus earlier.
IRS Stimulus Payment: How to Claim the $1,390/$1,400 Stimulus Payment
If you didn’t receive your third stimulus check or only got a partial amount, follow these steps to claim your money:
1. File Your 2021 Tax Return
Even if you normally don’t file taxes, you must submit a 2021 federal tax return using Form 1040. The IRS uses this information to determine your eligibility.
You can file electronically or by mail. Use a reputable tax software or consult a qualified tax preparer.
2. Calculate the Recovery Rebate Credit
Use the Recovery Rebate Credit Worksheet found in the IRS Instructions for Form 1040 to calculate how much you’re eligible to claim.
3. Submit Before the Deadline
The deadline to file and still claim the credit is April 15, 2025. After that, the IRS will no longer accept late 2021 returns for credit purposes.
Act early to avoid processing delays or missed opportunities.
Example Scenario
Let’s say John, a single adult who earned $60,000 in 2021, never received his third stimulus check. He files his 2021 tax return by April 2025 and claims the Recovery Rebate Credit. Since his income is below $75,000, he qualifies for the full $1,400 payment.
If John also had a baby in 2021, he can claim an additional $1,400 for the dependent, totaling $2,800.
Why This Matters for Professionals and Families
This isn’t just about getting a few hundred dollars back. For some families, it could mean thousands of dollars that can go toward:
- Emergency savings
- Debt repayment
- Childcare or education
- Medical expenses
Professionals, especially tax preparers, should alert clients who might have missed the 2021 return. The IRS has made clear that this is a one-time window that won’t come back.
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FAQs on IRS Stimulus Payment
Can I still claim the $1,400 if I received partial payment earlier?
Yes. You can claim the remaining amount via the Recovery Rebate Credit by filing a 2021 return.
Do I need to repay this stimulus payment later?
No. The Recovery Rebate Credit is not taxable income and doesn’t need to be repaid.
What if I don’t usually file taxes?
You still need to file a 2021 tax return to get this credit, even if you have zero income.
Where can I get help filing my return?
You can use free tools at IRS Free File or visit a local VITA (Volunteer Income Tax Assistance) site.
What if I filed but never got the credit?
Check your IRS account online or call their support line. You may need to file an amended return.
