Step 1: Determine If You’re Eligible

The Recovery Rebate Credit is for individuals who didn’t receive their full stimulus payment in 2021. You may qualify if:

• You didn’t receive the full amount for one or more stimulus rounds (checks were $1,200, $600, and $1,400).
• Your income or filing status changed in 2021.
• You had a child or dependent who wasn’t previously accounted for.

Visit the IRS Get My Payment tool to check your payment history.

Step 2: Gather Your Documentation

To claim the credit, you’ll need:

• Your 2021 tax return (or file a return if you haven’t yet).
• Notice 1444, 1444-B, or 1444-C, which the IRS sent for stimulus payments.
• Any information regarding dependents you didn’t claim in previous filings.

If you no longer have these notices, you can create or log in to your IRS account online to retrieve them.

Step 3: File a 2021 Tax Return (or Amend It)

If you haven’t filed for 2021:

• Use tax preparation software or forms available on the IRS website.
• Include the Recovery Rebate Credit worksheet, which calculates the amount you’re eligible to receive.

If you’ve already filed:

• File Form 1040-X to amend your 2021 return. Be sure to include the updated information that qualifies you for the credit.

Step 4: Update Your Information

If Your Bank Info Has Changed

You can’t update bank information after filing. If the IRS cannot deposit your payment, they will mail you a paper check to the address on file.

If You’ve Moved

File Form 8822 with the IRS to update your address. You can also notify the IRS via your online account.

Step 5: Submit Before the Deadline

Make sure to file your return or amendment by April 15, 2025. Missing this date means forfeiting the credit permanently.

Frequently Asked Questions

1. What Happens If I Miss the Deadline?

You’ll lose your eligibility to claim the Recovery Rebate Credit after April 15, 2025. There are no exceptions.

2. What Should I Do If I Don’t Know My Payment Status?

Use the IRS Get My Payment tool or log in to your IRS account to see past payments.

3. I Didn’t Receive My 2021 Tax Forms. What Should I Do?

You can retrieve forms and notices online through your IRS account or request a tax transcript to verify your payment history.

4. What If My Marital or Filing Status Changed?

Your eligibility may have changed if you got married, divorced, or adjusted your filing status. Be sure to account for this when calculating your credit.