With rising costs of living and economic uncertainty lingering from the pandemic years, many Americans are asking: Is a new stimulus coming in 2025? The answer is yes—and this time, it’s not just another check, but a targeted IRS Recovery Rebate Credit effort aiming to reach over 1 million eligible taxpayers who may have missed out on their share in 2021. Here’s what you need to know and what steps to take to claim your $485–$1,650 bonus check in 2025.
This new wave of payments is designed to ensure that taxpayers receive the money they were owed under the third round of Economic Impact Payments (EIPs), issued as part of the American Rescue Plan Act of 2021. If you missed out or were underpaid, this may be your chance to collect.
Is a New Stimulus Coming
| Feature | Details |
|---|---|
| Payment Range | $485 to $1,650 per individual |
| Purpose | Recovery Rebate Credit (RRC) from 2021 not claimed or reported as $0 |
| Eligibility | U.S. citizens/legal residents with valid SSNs, who filed or will file 2021 returns |
| Income Thresholds | $75,000 (Single), $112,500 (Head of Household), $150,000 (Married Filing Jointly) |
| Deadline | File 2021 taxes by April 15, 2025 |
| Payment Method | Direct deposit or mailed check |
The 2025 bonus check represents an important opportunity for many who slipped through the cracks during the pandemic stimulus rollout. Whether you’re a retiree, student, or working parent, if you meet the criteria, this is your money. Take action now by checking your 2021 tax filing status and making necessary corrections.
Understanding the 2025 Stimulus Bonus Check
The 2025 bonus check isn’t a “new” stimulus in the traditional sense, but rather a correction. It’s part of the IRS’s initiative to reach individuals who were eligible for the 2021 Recovery Rebate Credit but either:
- Did not file a 2021 tax return, or
- Filed but did not claim the credit or reported it incorrectly.
Roughly 1 million Americans fall into this category, and the IRS is distributing around $2.4 billion in total, according to Kiplinger.
Why This Matters
Due to confusion around eligibility rules in 2021, many low-income taxpayers, retirees, and individuals without filing requirements didn’t submit returns or were unaware they had to claim the RRC to receive their full third stimulus payment.
Real-Life Examples
- Mark, a retiree in Michigan, didn’t file a 2021 tax return because his income was below the minimum. After learning about the missed credit in 2025, he filed and received $1,400.
- Sandra, a single mother, filed her taxes but didn’t claim the RRC due to confusion over eligibility. She amended her return and received $2,800 for herself and her daughter.
Who Is Eligible for the 2025 IRS Bonus Check?
To qualify, individuals must meet several criteria:
Eligibility Requirements
- U.S. citizen or legal resident.
- Possess a valid Social Security number (SSN).
- Filed a 2021 federal tax return, or will file one before April 15, 2025.
- Earned within the income limits:
- $75,000 or less for single filers
- $112,500 or less for heads of households
- $150,000 or less for married couples filing jointly
- Did not claim the Recovery Rebate Credit or claimed $0.
Additional Considerations
- Dependents: Each qualifying dependent may also add $1,400 to your total.
- Mixed-status households: May qualify if at least one spouse has a valid SSN.
How Much Could You Receive?
Depending on your eligibility, you could receive:
- $1,400 for individual filers
- Up to $2,800 for married couples
- An additional $1,400 per qualifying dependent
So, a family of four could be entitled to as much as $5,600, if the full credit was missed.
If a partial payment was received in 2021, the IRS will calculate the difference and issue the remaining amount.
Estimating Your Credit
You can use the IRS Recovery Rebate Credit Worksheet or a tax software calculator to determine how much you might be owed.
How to Claim the Bonus Check in 2025
If you think you may be eligible, here are the steps to take:
Step 1: Confirm Eligibility
Check your 2021 tax return or use your IRS online account to see if the Recovery Rebate Credit was claimed.
Step 2: File or Amend Your 2021 Return
If you didn’t file in 2021, submit your tax return ASAP using trusted tax software or with the help of a certified professional. If you filed but made an error, file an amended return (Form 1040-X).
- File before April 15, 2025.
- Use the official Free File tool if eligible.
Step 3: Watch for Payment
If eligible, the IRS will issue the payment through:
- Direct deposit if bank info is on file
- Paper check via mail
- Notification letter for your records
Avoiding Scams: Stay Secure
Unfortunately, these types of payments often attract fraudsters. Be on alert:
- The IRS does not initiate contact via text, email, or social media.
- Never click on suspicious links or share personal information.
- For safe information, always visit IRS.gov.
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Frequently Asked Questions About Is a New Stimulus Coming
1. Can I still file my 2021 tax return if I missed the deadline?
Yes! The IRS allows you to file late returns for up to three years. The final deadline to claim this payment is April 15, 2025.
2. What if I no longer have the same bank account?
The IRS will mail a check to your address on file if direct deposit fails.
3. Is this payment taxable income?
No, stimulus payments and Recovery Rebate Credits are not considered taxable income.
4. Can I get help filing my taxes?
Yes. Visit the IRS’s VITA/TCE Locator Tool for free, in-person tax help.
5. What documentation should I keep?
Keep your 2021 tax return, any IRS letters (such as Letter 6475), and proof of dependent eligibility if applicable.
6. How can I check my IRS account online?
Create or log in to your account at IRS Online Account to review payments and filing status.
