Big news is making waves this spring: a $1,300 stimulus check is landing in June 2025, and it’s not just random—it’s part of a cleanup effort by the IRS to get money into the hands of people who missed out on their 2021 Recovery Rebate Credit. If you’re a student, working adult, retiree, or anyone who didn’t get the full third stimulus during the pandemic, this could be your second chance. But you’ve got to act fast—especially if you haven’t filed your 2021 taxes yet.
Overview
This new round of payments is essentially a makeup call. Due to system errors or skipped filings, millions missed the third stimulus. The IRS is now making it right—but only if you meet certain conditions.
Here’s the quick breakdown:
| Topic | Details |
|---|---|
| Stimulus Amount | Up to $1,400 (average around $1,300) |
| Rollout Date | June 2025 |
| Eligibility | Based on 2021 Adjusted Gross Income (AGI) |
| Filing Deadline | April 15, 2025 for claiming missing Recovery Rebate Credit |
| Target Group | Missed or underclaimed 2021 stimulus recipients |
| Filing Method | IRS Free File, Form 1040, or with a tax professional |
Background
Back in 2021, the U.S. government issued three rounds of Economic Impact Payments (EIPs). The third, under the American Rescue Plan, was worth up to $1,400 per eligible person. Many Americans, however, didn’t receive theirs due to missed tax filings or IRS processing glitches.
The IRS then allowed those people to claim their missing funds through the 2021 Recovery Rebate Credit. Fast-forward to 2025, and the IRS is auto-sending checks to those who still didn’t get what they were owed—roughly one million people are eligible.
Eligibility
The key to qualifying lies in your 2021 tax return, specifically your AGI. Here’s how it breaks down:
| Filing Status | Full Credit AGI Limit | Phase-Out Limit |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Filing Joint | $150,000 | $160,000 |
| Head of Household | $112,500 | $120,000 |
If your 2021 AGI was within these ranges and you missed or underclaimed the third stimulus, the June 2025 payment is likely coming your way.
Real Example:
Sarah, a single mom earning $70,000 in 2021, didn’t file her taxes on time. If she submits her return before April 15, 2025, she’ll qualify for almost the full $1,400.
Claiming
So how do you get the money?
If You Already Filed in 2021:
- No action needed.
- The IRS will send the check or deposit it directly into your account.
If You Did Not File in 2021:
- File a 2021 federal tax return by April 15, 2025.
- Use IRS Free File (if income was under $73,000) or a tax preparer.
- Be sure to complete Line 30 of Form 1040 to claim the Recovery Rebate Credit.
Mistakes
Some common blunders could cost you your stimulus:
- Missing the April 15, 2025 deadline
- Entering wrong income info, which could lower your amount
- Not filling out Line 30 on Form 1040
- Falling for scams—remember, the IRS won’t call, text, or email you asking for info
Taxes
Here’s the good news: this stimulus isn’t taxable. But keep in mind, if your refund increases because of it, it might affect other calculations, like:
- Earned Income Tax Credit (EITC)
- Health insurance subsidies from the Affordable Care Act
So it’s smart to look at the bigger picture when planning.
Tips
If you’re a tax professional, this is a great chance to help your clients:
- Contact those who haven’t filed for 2021
- Offer quick, simple filing services
- Remind them the stimulus isn’t income
- Make sure their direct deposit info is current
With the deadline approaching, even a little guidance can make a big financial difference.
FAQs
Who gets the $1,300 in June 2025?
Taxpayers who missed or underclaimed the 2021 Recovery Rebate Credit.
Do I need to pay tax on this stimulus?
No, the $1,300 stimulus is not considered taxable income.
What’s the deadline to file for the credit?
You must file your 2021 taxes by April 15, 2025.
How do I claim the Recovery Rebate Credit?
Use IRS Form 1040 and fill in Line 30.
What if I already filed in 2021?
No action needed—the IRS will send the payment automatically.