Great news for many Americans—this fall, a $1,702 stimulus payment is on the way to provide relief amid rising costs. The IRS has released the October 2025 schedule, so here’s your clear and simple guide on who gets it, when, and what to do if you run into issues.
Who Is Eligible?
You may qualify for the $1,702 stimulus if you meet these criteria:
- U.S. citizen or lawful permanent resident
- You filed a 2023 or 2024 federal tax return or already receive benefits (Social Security, SSI, or VA)
- Your adjusted gross income (AGI) is under the thresholds:
– Single: $75,000
– Head of household: $112,500
– Married filing jointly: $150,000 - Seniors 65+ receiving Social Security or SSI may automatically qualify even without filing
- Households with dependents (children or adults with disabilities) may receive extra funds
When Will You Get It?
The IRS has set the following rollout schedule for October 2025:
| Date | Method | Who Gets Paid |
|---|---|---|
| Oct 10 | Direct deposit | Social Security, VA, other benefit recipients on direct deposit |
| Oct 17 | Direct deposit | Tax filers who opted for bank deposit |
| Oct 24 | Paper checks sent to those without direct deposit | |
| Oct 31 | Mixed | Final payments, adjustments, or pending claims |
Most eligible people should have the funds by the third week of October.
How Payments Are Delivered
- Direct Deposit – Fastest and most secure
- Paper Check – Mailed if direct deposit not set up
- Prepaid Debit Card – Some may receive payment this way
Tip: If you’ve changed your bank or address recently, update your information with the IRS as soon as possible to avoid delays.
How to Check Your Payment Status
- Visit the IRS’s “Get My Payment” tool on IRS.gov
- Enter your Social Security number, date of birth, and tax filing details
- You’ll see whether your payment is scheduled, deposited, or mailed
If there is an error, the tool will guide you on next steps.
Quick Tips to Stay Prepared
- Make sure your 2023 or 2024 tax return is filed correctly
- Enroll in direct deposit if you haven’t yet
- Don’t ignore IRS correspondence—some issues require response
- Keep your account and address information current
- Save your IRS confirmation page and tracking number
FAQs
Q1. Do I need to apply to receive the $1,702?
No. If you’re eligible and have filed taxes or receive benefits, the IRS will process payment automatically.
Q2. What if I didn’t file taxes in 2023 or 2024?
You may still qualify if you’re a Social Security or SSI recipient—or you can file taxes to establish eligibility.
Q3. Can my dependent receive extra money?
Yes. Having dependents can boost your total amount depending on income and filing status.
Q4. What happens if I don’t get the payment by October 31?
Check the “Get My Payment” tool. If it’s still missing, contact the IRS helpline and submit a missing payment claim.
Q5. Will this stimulus affect my taxes?
No. It is not taxable income and won’t count toward your 2025 tax liability.
Conclusion
The $1,702 October 2025 stimulus is designed to ease financial stress for many Americans in need. Mark your calendar, confirm your eligibility, and keep your banking and address details up to date. Use the IRS “Get My Payment” tool to stay informed—and be ready to act if something goes amiss.