$1,390 Stimulus Payment For Eligible Americans: If you missed out on the third round of Economic Impact Payments (EIPs) during the pandemic, there’s still good news: you may be eligible to receive a $1,400 stimulus payment from the IRS. These payments are being issued as part of the Recovery Rebate Credit (RRC) — a tax credit created to help Americans get the full stimulus amount they qualified for in 2021.
As of 2024, the IRS announced that it is sending out these payments to nearly one million people who never claimed the credit on their 2021 tax return. This is a critical opportunity, especially for low-income individuals, seniors, or those who typically don’t file taxes. But time is running out — you must file your 2021 tax return by April 15, 2025 to claim the credit. Don’t miss this chance to receive what you’re owed.
$1,390 Stimulus Payment For Eligible Americans
If you or someone you know missed out on the $1,400 stimulus payment in 2021, this is your final chance to claim what’s rightfully yours. With nearly $2.4 billion still unclaimed, many eligible Americans are leaving money on the table. Filing your 2021 tax return by April 15, 2025 is the only way to secure this payment. Don’t delay. Even if you haven’t filed taxes before or earned little income, this refundable credit could make a significant difference.
| Feature | Details |
|---|---|
| Payment Amount | Up to $1,400 per eligible individual |
| Additional for Dependents | $1,400 per qualifying dependent |
| Eligibility | U.S. citizen or resident alien with valid SSN, not claimed as a dependent |
| Income Limits | $75,000 (single), $150,000 (married filing jointly), $112,500 (head of household) for full payment |
| Credit Type | Refundable tax credit claimed on 2021 tax return |
| Deadline | File 2021 return by April 15, 2025 |
| Filing Help | IRS Free File Program |
| Official Source | IRS Recovery Rebate Credit |
What Is the Recovery Rebate Credit (RRC)?
The Recovery Rebate Credit is a refundable credit designed to ensure all eligible Americans receive the full third-round stimulus payment that was distributed in 2021 as part of the American Rescue Plan.
If you didn’t receive this payment — or if you only received a partial amount — you can still claim it now by filing your 2021 tax return and completing the Recovery Rebate Credit section.
Because it’s a refundable credit, even people who don’t owe any taxes can receive it in full as a refund.
Who Is Eligible for the $1,400 Stimulus Payment?
To qualify for the Recovery Rebate Credit, you must meet the following conditions:
General Eligibility
- U.S. citizen or resident alien in 2021
- Not claimed as a dependent on another taxpayer’s 2021 return
- Have a valid Social Security Number (SSN) or an Adoption Taxpayer Identification Number (ATIN) (for dependents)
- File a 2021 federal tax return
Income Limits
The full $1,400 credit is available to people within the following income thresholds:
- Single filers: AGI up to $75,000
- Married filing jointly: AGI up to $150,000
- Head of household: AGI up to $112,500
The credit phases out completely for:
- Single filers with AGI above $80,000
- Married couples above $160,000
- Head of household above $120,000
What About Dependents?
You can also receive an additional $1,400 for each qualifying dependent. This includes children, elderly parents, or anyone you supported financially in 2021 who met IRS criteria.
For example, a family of four could receive $5,600 total ($1,400 x 4).
How to Claim $1,390 Stimulus Payment For Eligible Americans?
If you didn’t file a 2021 tax return or failed to claim the Recovery Rebate Credit, here’s how you can still get your payment:
Step-by-Step Guide
Step 1: Confirm Your Eligibility
Visit the official IRS page to review the criteria
Step 2: File Your 2021 Tax Return
You’ll need to file a return using tax software or a paper form. The IRS Free File program is available for incomes under $73,000:
Step 3: Claim the Recovery Rebate Credit
On Form 1040 (2021), complete the Recovery Rebate Credit worksheet to calculate how much you’re owed.
Step 4: Submit Your Return by April 15, 2025
This is your final chance — after this date, the credit will expire.
Why So Many People Missed the Payment?
There are several reasons nearly a million people missed the third stimulus payment:
- They didn’t earn enough to be required to file taxes, so they didn’t submit a return.
- Address or banking issues prevented the payment from being delivered.
- They didn’t know they were eligible, especially if they were dependents in earlier years but became eligible in 2021.
If you or someone you know falls into these categories, there’s still time to act.
Warning: Avoid Scams
Scammers may try to take advantage of this situation. Remember:
- The IRS will not email, call, or text you about claiming this credit.
- Only use the official IRS website: www.irs.gov
- Do not share your SSN or banking details with unverified sources.
Common Mistakes to Avoid
- Not filing your 2021 return — even if you think you’re ineligible
- Using the wrong year’s tax form
- Leaving out qualifying dependents
- Entering incorrect banking information
Double-check your entries, and when in doubt, consider getting help from a certified tax professional or IRS partner site.
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FAQs About $1,390 Stimulus Payment For Eligible Americans
1. What is the Recovery Rebate Credit?
The RRC is a tax credit for those who did not receive the full third stimulus payment in 2021. It can be claimed by filing a 2021 tax return.
2. How much money can I receive?
You can receive up to $1,400 per eligible individual and $1,400 per qualifying dependent.
3. What is the deadline to claim the credit?
You must file your 2021 federal tax return by April 15, 2025.
4. I don’t normally file taxes. Can I still get the money?
Yes. Even if your income is low or zero, you can file just to claim the Recovery Rebate Credit.
5. Where can I get help?
Use the IRS Free File service or contact a Volunteer Income Tax Assistance (VITA) program near you.
