Did you know you might still be owed up to $3,200 in stimulus payments from the U.S. government? Many Americans missed out on payments during the earlier rounds of stimulus programs, and the IRS is giving you another chance to claim that money. If you didn’t get all your stimulus checks, you still have time to file and receive them—but only until the 2025 deadline. Here’s everything you need to know in simple words.
Why Do Some People Still Owe Stimulus Checks?
Even though the stimulus programs ended, the money is still available for people who didn’t claim it. Some people missed it because they:
- Didn’t file taxes in 2020 or 2021
- Changed their address and missed mail
- Didn’t realize they were eligible
- Didn’t have access to online tools or help
If you fall into any of these categories, you could still claim up to $3,200 through a special tax credit called the Recovery Rebate Credit.
How Much Money Could You Get?
The total amount depends on what you already received:
- First stimulus: $1,200 per adult
- Second stimulus: $600 per adult
- Third stimulus: $1,400 per adult
That adds up to $3,200 per person, and even more for families with children. If you missed one or more of these payments, the IRS lets you claim it by filing a tax return.
What Should You Do Now?
Here’s how to claim your money before it’s too late:
- File Your Tax Return – You must file for the years you missed (especially 2020 and 2021).
- Use Free IRS Tools – If you don’t make much money, you can file your return for free.
- Claim the “Recovery Rebate Credit” – This is where you request your missed payments.
- Don’t Wait Until 2025 – The last day to file and get your refund is in April 2025, so don’t delay.
Where to Get Help
If you’re not sure how to file taxes or check if you’re eligible, you can:
- Visit irs.gov
- Use IRS Free File for basic filing
- Go to a free tax help center (VITA or TCE programs)
- Ask someone you trust to help you file online
Act Before It’s Too Late
You worked hard or faced struggles during the pandemic, and that money was meant to help you. If you never got your full stimulus amount, you still have a chance to claim it. Don’t miss the 2025 deadline—a simple tax return could put up to $3,200 back in your pocket. That money could help pay for rent, groceries, bills, or save for the future. It only takes a little time to check if you’re eligible, and it’s worth doing.
