If you didn’t file your 2021 federal tax return, you might be leaving money on the table—literally.
According to the IRS, over $1 billion in unclaimed federal income tax refunds from the 2021 tax year remain up for grabs. An estimated 1.1 million taxpayers haven’t filed their returns to claim those funds. The median refund is $781, but in states like Texas, the average is even higher—$810.
The Deadline: April 15, 2025
You have until April 15, 2025, to file your 2021 return and claim your refund. After that? The unclaimed money goes straight to the U.S. Treasury—and it’s gone for good.
What You Need to Do
If you didn’t file in 2021, here’s how to get started:
Locate your documents: W-2s, 1099s, or any tax reporting forms from 2021.
Missing a form? You can request copies from your employer or bank—or get a wage and income transcript from the IRS.
File your 2021 tax return with the IRS as soon as possible.
Bonus: You Might Qualify for More
Low- to moderate-income earners could also be eligible for the Earned Income Tax Credit (EITC)—up to $6,728 depending on your income and family size. That’s on top of your refund.
Even if you didn’t earn much in 2021, claiming the EITC could significantly increase your refund. Many eligible taxpayers miss out simply because they don’t file. This credit is designed to support working individuals and families, and when combined with a standard refund, it can be a powerful financial boost. Whether you were self-employed, a part-time worker, or had inconsistent income that year, it’s worth reviewing your eligibility.
Don’t assume you won’t qualify—many people are surprised to learn they’re eligible. It’s one of the few tax credits that can actually result in a larger refund than taxes paid.
Don’t Miss Future Opportunities
The tax code is full of opportunities most people overlook—like this one. But timing is everything. Staying informed is one of the best ways to keep more of your money.
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