A new federal child stimulus payment of $1,500 per qualifying child is set to roll out beginning July 20, 2025. Announced by the IRS, this one-time relief measure targets millions of families facing the pressures of rising childcare, food, and education costs. If you’re raising kids under 17, this payment could make a real difference in your budget. Here’s a simple breakdown of eligibility, how to claim it, and when you can expect your payment.
Table of Contents
Overview
The $1,500 child stimulus payment is not the same as the Child Tax Credit, though it uses similar eligibility rules. The goal is to provide a temporary financial cushion to working and middle-income families in 2025.
| Feature | Details |
|---|---|
| Payment Amount | $1,500 per qualifying child |
| Child Age Limit | Under 17 years old by December 31, 2024 |
| Income Thresholds | Single: $75,000, Head: $112,500, Joint: $150,000 |
| Required Forms | Form 1040 and Schedule 8812 |
| Start Date | Expected July 20, 2025 |
| Distribution Method | Direct deposit, check, or prepaid debit card |
| IRS Website | irs.gov |
What
This one-time child payment is part of broader economic support policies. It provides eligible parents and guardians with $1,500 per child to help manage costs such as school supplies, meals, childcare, and everyday living.
It’s based on your 2024 tax filing. That means the IRS will use the information you submit in early 2025 to calculate your benefit. Filing correctly and early is key to receiving the payment on time.
Who
To be eligible for this child stimulus payment, you must meet the following criteria:
- Be a U.S. citizen or legal resident with a valid Social Security number
- Have at least one dependent child under the age of 17 as of December 31, 2024
- File a federal tax return for 2024
- Stay within the income limits:
- $75,000 or less for single filers
- $112,500 or less for heads of household
- $150,000 or less for married couples filing jointly
If your income exceeds the limit, the payment amount will phase out gradually.
Claiming
Claiming this payment is simple. There’s no special form to fill out aside from your regular tax return. Just follow these steps:
- File your 2024 tax return
Use IRS Form 1040 and report all your qualifying dependents. Make sure their names and Social Security numbers are entered correctly. - Complete Schedule 8812
This form calculates child-related credits and is necessary for claiming the stimulus payment. - Update direct deposit information
To get paid quickly, ensure your current bank details are on file with the IRS. - File as early as possible
Filing early in 2025 will help avoid delays and ensure timely delivery of your funds.
When
The IRS expects to begin sending out payments starting July 20, 2025. The distribution will happen in batches. Your delivery time depends on how you file, how quickly your return is processed, and what payment method the IRS has on file.
Here are the expected payment methods:
- Direct deposit: Fastest and most secure
- Paper check: Mailed to the address on your tax return
- Prepaid debit card: Usually for those without bank accounts
To avoid delays, double-check your tax return for accuracy and make sure your contact details are correct.
Example
Take Sarah, a single mother of two in Texas. She earns $65,000 a year and files her taxes early in February 2025. She lists her two qualifying children on Form 1040 and fills out Schedule 8812. By late July, she receives a $3,000 deposit into her account — $1,500 for each child. She uses the money for school supplies, groceries, and a summer activity program.
Tips
Whether you’re a parent, tax advisor, or community advocate, here are a few helpful reminders:
- Parents: Have your children’s Social Security cards and tax documents ready
- Tax preparers: Encourage clients to file early and double-check their information
- HR departments: Add a reminder in your tax season newsletters
- Community groups: Help families access IRS resources and support low-income filers
FAQs
When will child payments start in 2025?
Payments begin around July 20, 2025.
How much will I get per child?
You’ll receive $1,500 per qualifying child.
Do I need to apply separately?
No, just file your 2024 tax return with correct info.
What if I missed the income limit?
Your payment amount will be reduced or phased out.
Which IRS forms are required?
File Form 1040 and complete Schedule 8812.
