As Americans grapple with inflation, rising rents, and expensive groceries, the question of another federal stimulus check remains top of mind for many. Heading into July 2025, speculation continues—but unfortunately, the federal government has no plans to issue a fourth round of Economic Impact Payments.
While a fresh stimulus isn’t coming, several key payments are still expected in July that could offer some financial relief for millions of Americans. From Social Security benefits to IRS tax refunds and state-level aid, here’s what to know—and where to look—for help this month.
No New Federal Stimulus Check in July—Here’s Why
Despite growing public interest in additional relief payments, the IRS has confirmed that no fourth federal stimulus check has been approved. The previous three rounds—disbursed during the COVID-19 pandemic in 2020 and 2021—have officially ended. The deadline to claim any missing payments through the Recovery Rebate Credit passed in April 2025.
This means that, unless Congress enacts new legislation, no new federal checks will land in mailboxes or bank accounts this summer.
What Is Happening Instead?
Even though the federal government is holding off on more stimulus, other payments are still flowing to eligible recipients this July:
✅ 1. Social Security Benefits
Social Security recipients will continue to receive monthly payments based on their birth dates. Expect your deposit on the following dates:
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July 9 – For those born between the 1st and 10th
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July 16 – For birthdays between the 11th and 20th
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July 23 – For those born between the 21st and 31st
These payments include retirement, disability (SSDI), and survivors benefits.
2. Supplemental Security Income (SSI)
Those receiving SSI can expect their payment on July 1, 2025, as per the Social Security Administration’s standard schedule. This early-month payment will be particularly helpful for those relying on fixed incomes.
3. IRS Tax Refunds
If you filed your paper tax return between May 16 and May 31, 2025, you may receive your refund between July 11 and July 25. Keep in mind that these are standard tax refunds, not bonus stimulus checks. Delays can still occur, especially with paper returns, so it’s a good idea to track your refund status through the IRS’s Where’s My Refund tool.
4. Adjustments for Missed Payments
While these aren’t new stimulus checks, the IRS has completed adjustment reviews for individuals who missed payments during earlier rounds of stimulus. Some taxpayers may have received deposits in May or June 2025 to correct those discrepancies.
If you were expecting money but never got it, it’s possible you’ve already received a “make-up” payment. These corrections are typically smaller but still meaningful—especially for low-income households.
The Role of States: Smaller Stimulus Programs Still Live
In the absence of federal action, some state governments are launching or continuing their own financial aid programs, offering rebates, inflation relief payments, or tax credits:
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California, New Mexico, Colorado, and Maine have previously issued state-level payments.
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Check your state’s Department of Revenue website to see if local stimulus or assistance programs are available.
Some states also offer energy rebates, property tax relief, or back-to-school bonuses in mid-to-late summer.
A Hidden Crisis: What Missing a Stimulus Check Can Really Cost You
While $600 to $1,400 may not seem like life-changing money to some, economists warn that missing out on these payments—especially when prices are surging—can set households back months. Missed rent, delayed utility bills, and reliance on credit cards have long-term consequences.
That’s why the IRS encourages all eligible taxpayers to check their IRS.gov online account and ensure their direct deposit information is accurate, especially if future relief ever becomes available.
FAQs: July 2025 Stimulus Payment Questions Answered
1. Is there a fourth federal stimulus check coming in July 2025?
No. The federal government has not authorized another round of Economic Impact Payments. The IRS confirms that all three rounds (from 2020–2021) have concluded and the Recovery Rebate Credit deadline has passed.
2. What payments can I expect in July 2025?
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SSI: Paid July 1
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Social Security: Paid based on birth date—July 9, 16, or 23
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Tax Refunds: For paper returns filed mid-to-late May, refunds may arrive July 11–25
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IRS Adjustments: Some “catch-up” payments for missed stimulus rounds were issued in May and June
3. Can I still claim a missed federal stimulus payment?
Unfortunately, the deadline to file for missed payments through the Recovery Rebate Credit ended in April 2025. Any recent deposits likely reflect IRS corrections, not new stimulus checks.
4. Are there other programs offering help right now?
Yes. Many states are running their own financial relief programs, including energy assistance, child tax rebates, and one-time bonuses. Visit your state’s Department of Revenue for the latest updates.
5. How can I track my tax refund or payment status?
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IRS Refunds: Use the Where’s My Refund tool.
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Stimulus history: Log into your IRS online account to view prior Economic Impact Payments and check your eligibility.
6. Will Social Security payments increase again in 2025?
Possibly. The COLA (Cost-of-Living Adjustment) for 2026 will be announced in October 2025. Based on inflation trends, a moderate increase is likely.
Bottom Line
While another federal stimulus check is off the table for July 2025, there’s still a lot happening in terms of financial support. Social Security, SSI, IRS refunds, and even state-led aid programs can help ease some financial pressure this month.
Make sure to check your eligibility, track payments, and stay informed through reliable government websites. In uncertain times, even smaller payments can make a meaningful difference.