The IRS has started issuing stimulus payments for July 2025, and millions of Americans are now wondering when their money will arrive. Whether you’re expecting a direct deposit, check, or prepaid card, the July 2025 Stimulus Tracker can help you find your payment status quickly. This one-time payment is part of a broader relief effort to support households facing financial challenges due to rising costs and unemployment.
Who Is Receiving the July Stimulus?
The July stimulus is being distributed to low- and middle-income earners, Social Security and SSI recipients, and individuals who claimed tax credits like the Earned Income Tax Credit (EITC) or Child Tax Credit (CTC) on their 2024 returns. To qualify, your adjusted gross income (AGI) must be under $85,000 (single) or $170,000 (joint). Payments are based on your most recently filed federal tax return, and if your banking information is updated, you may receive your payment faster.
How to Use the IRS Stimulus Tracker
To check the status of your payment, use the IRS Refund Status Tool or the updated Stimulus Tracker Portal. You’ll need to provide basic information like your Social Security number, filing status, and refund amount or expected payment. The tracker will show whether your payment has been processed, the date it was sent, and the method of delivery. If your payment is delayed or returned, the portal will also include instructions for claiming it manually.
July Stimulus Tracker – Key Payment Info
| Category | Details |
|---|---|
| Payment Type | One-time stimulus payment |
| Eligibility | Based on 2024 return and income limits |
| Income Limit (Single) | Under $85,000 |
| Income Limit (Joint) | Under $170,000 |
| Start Date of Payments | July 8, 2025 |
| Payment Methods | Direct Deposit / Check / Debit Card |
| Tracker Access | IRS Refund or Stimulus Status Tools |
The July 2025 stimulus payment is a welcome relief for many Americans, but tracking your payment is crucial to ensure you receive it on time. By using the IRS’s official tracking tools, you can stay informed and act quickly if there are issues with delivery. Make sure your banking and contact information are current to avoid delays, and don’t hesitate to reach out to the IRS if your payment hasn’t arrived after the expected timeline. Every dollar counts, and this stimulus could make a real difference.
FAQ’s:
1. When did the IRS start sending July 2025 stimulus payments?
Payments began on July 8, 2025, with direct deposits going out first, followed by paper checks.
2. How can I track my payment status?
Use the IRS Refund Status Tool or Stimulus Tracker Portal with your basic tax information.
3. What if my bank account has changed?
If your direct deposit fails, the IRS will mail a paper check or debit card to your last known address.
4. Will I get a payment if I didn’t file taxes?
You may still qualify by filing a simple return or using the IRS non-filer form.
5. Is this payment taxable or will it reduce my next refund?
No. This payment is non-taxable and won’t affect your future refunds or benefits.
