Millions of Americans Can Claim More Stimulus Money Starting Today

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.


  • Some Americans did not receive their entire coronavirus stimulus payment from 2021.
  • Parents received only half of the expanded Child Tax Credit authorized in the 2021 coronavirus relief bill.
  • The remaining money can be claimed by filing taxes, which Americans can do starting today.

Millions of Americans are owed stimulus money from last year. Today, it becomes possible to claim those unpaid funds.

President Joe Biden made coronavirus stimulus relief his first priority when he took office in January 2021. By March, the Democrats had passed his proposed COVID-19 aid bill, the American Rescue Plan Act, on a party line basis. The American Rescue Plan Act provided several different forms of financial relief, including:

  • $1,400 stimulus checks for eligible adults and qualifying dependents
  • Special relief for parents in the form of an expanded Child Tax Credit

Parents who qualified for the expanded Child Tax Credit are still owed half the amount of it -- with some owed the entire amount. Many others who qualified for the $1,400 stimulus checks may not have received the full funds they were due.

Anyone who didn't get all of the money they were entitled to can take action starting today to claim it. Here's how.

You can now claim your unpaid stimulus funds

Both the stimulus check and the expanded Child Tax Credit payments authorized by the American Rescue Plan Act were set up to provide money to qualifying Americans in 2021 to help them during the heart of the COVID crisis.

But both were actually advances on a tax credit. That means anyone who didn't get their payments can obtain the money due by filing their 2021 taxes and claiming their credit.

This wasn't possible until the IRS opened up the tax filing season for 2021. The IRS has done this starting today. You can now file your 2021 taxes to request the money you are due from last year by submitting your forms either via mail or electronically.

Electronic filing and requesting direct deposit to your bank account is the fastest way to get your money. In most cases, the IRS will process your return and send you money you're due within 21 days, with limited exceptions. These could be if you're claiming the Earned Income Tax Credit or the American Opportunity Tax Credit, in which case you'll have to wait several weeks.

You should strongly consider visiting the IRS website to find out how to file your tax return for free and claim your stimulus money ASAP now that you're able to do so.

Do you have money coming to you?

Millions of Americans are owed unpaid stimulus money and will want to take swift action. This includes anyone who:

  • Hadn't filed a recent tax return. If the IRS was unaware of your income or the number of dependents you had because you didn't file a recent return, you may have missed out on both the $1,400 stimulus check and the expanded Child Tax Credit.
  • Saw their income fall sharply. There were income limits for collecting both the expanded Child Tax Credit and the $1,400 checks. If you exceeded those limits when filing your 2020 taxes, the IRS wouldn't have sent you money in 2021 because they had no way of knowing you were owed it. But if your income fell below the eligibility thresholds in 2021, you can get your funds by updating the IRS about your earnings record last year.
  • You added new dependents. If you added new dependents to your family in 2021, the IRS wouldn't have known about them because they wouldn't have been claimed on previous tax returns. As a result, you'd have missed out on the $1,400 stimulus check for your new dependents as well as the expanded Child Tax Credit for them.
  • You're a parent eligible for the expanded Child Tax Credit. The expanded Child Tax Credit provided for $3,600 per child under age 6 and $3,000 for older kids. Half of this money was delivered at a rate of $250 or $300 per month into parents' bank accounts from July to December of 2021, but that means parents need to claim the remaining half.

If you're among these groups or if you didn't get the full amount of stimulus money owed in 2021 for some other reason, you can act now to get your funds. Don't wait if you need COVID-19 financial relief.

Alert: highest cash back card we've seen now has 0% intro APR until nearly 2025

If you're using the wrong credit or debit card, it could be costing you serious money. Our experts love this top pick, which features a 0% intro APR for 15 months, an insane cash back rate of up to 5%, and all somehow for no annual fee. 

In fact, this card is so good that our experts even use it personally. Click here to read our full review for free and apply in just 2 minutes. 

Read our free review

Our Research Expert

Related Articles

View All Articles Learn More Link Arrow