If you’re reading this, there’s a good chance the U.S. government might still owe you money. And we’re not talking about small change.
Since 2020, the IRS has issued over $900 billion in stimulus payments across three rounds. Yet, millions of Americans either didn’t receive the full amount or missed out entirely — often without realizing it.
Whether you moved homes, didn’t file taxes, or simply slipped through the cracks, 2025 might be your final chance to claim your missing stimulus money.
This guide shows you how to check — instantly and for free.
Why Millions Missed Their Stimulus Checks
Stimulus checks were meant to be automatic. But that didn’t always happen.
According to recent federal reports, nearly 9.3 million people either didn’t receive their full stimulus payment or never got one at all. Here's why:
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You didn’t file taxes in 2020 or 2021
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You were recently unemployed, incarcerated, or unhoused
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You changed addresses or bank accounts
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You had a new child/dependent not listed in prior filings
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You earned less in 2020/2021 than the IRS originally estimated
Even if you thought you didn’t qualify back then, changes in your income or filing status might make you eligible now.
How to Check if You're Owed a Stimulus Payment in 2025
The IRS still allows you to reclaim your missing stimulus funds by filing a tax return for the year the payment was issued.
Here’s how to find out if you’re eligible:
1. Use the IRS “Get My Payment” Portal
Go to the official IRS website and locate the Get My Payment tool. You’ll need:
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Your Social Security Number
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Date of birth
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Zip code on file with the IRS
This will show if the payment was sent, returned, or undelivered.
2. Use Our Free Eligibility Tool
If you're unsure about your tax filing status or eligibility, you can use our Stimulus Check Estimator — a free tool that quickly checks if you might still qualify.
No email or login required.
Who Can Still Claim Stimulus Checks in 2025?
Many assume the deadline passed years ago. But for many Americans, it’s not too late.
You can still claim the Recovery Rebate Credit by filing or amending your 2020 or 2021 tax return if:
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You made under $75,000 (single) or $150,000 (joint) in 2020 or 2021
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You were a non-filer during the stimulus years
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You became a parent or guardian after 2019
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You were left off someone else’s tax return
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You were a dependent in prior years but filed independently in 2020/2021
In many cases, these adjustments can result in a payment of $1,200–$3,400, depending on your household.
How to Claim Missing Payments
If your eligibility checks out, here’s what you need to do:
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File a 2020 or 2021 federal tax return — even if you had no income
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On the return, claim the Recovery Rebate Credit
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Submit using a free e-filing site or mail it to the IRS
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Wait for the IRS to issue the check or direct deposit
If you're unsure how to file, you can use free resources such as:
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Local non-profits that assist low-income filers
Common Questions About Unclaimed Stimulus Money
Can I still get stimulus money if I didn’t file taxes?
Yes. You’ll need to file a late return for 2020 or 2021 and claim the Recovery Rebate Credit.
What if I moved or changed bank accounts?
The IRS will mail a physical check if direct deposit fails. Make sure your address is updated on your return.
What if I received one stimulus but missed the others?
You can still claim any missed rounds individually — up to the full amount per person and dependent.
Is there a deadline in 2025?
Yes. In most cases, you must file by May 17, 2025, to claim past-year credits. After that, you may forfeit your payment.
Final Thoughts
Missing a stimulus check doesn’t mean you’re out of luck. But you must act before it’s too late.
If you're unsure where to start, use the IRS portal or our free estimator tool to quickly find out if you're eligible. The process takes just minutes — and it could mean hundreds or even thousands of dollars back in your pocket.
Check now, file what’s needed, and claim what’s rightfully yours.