Letter 6475: Your Third Stimulus Payment Summary

Why you might get this

• You received the third Economic Impact Payment (the third stimulus payment) sometime between March and December 2021.
• You got a 'plus-up' payment, which is an extra stimulus amount the IRS sent after reviewing your 2020 tax return.
• The IRS is giving you a record of your payment total so you can check whether you should claim the Recovery Rebate Credit (a credit for stimulus money you were owed but didn't receive) on your 2021 return.

The deadline

This letter is a record, not a bill. There is no payment due and no deadline to respond to the IRS. You simply keep it and use the amount when you prepare your 2021 tax return.

This notice doesn't carry a fixed response deadline, but it still deserves attention — see what to do below.

What to do

1. Keep this letter with your 2021 tax records.
2. Find the total third stimulus payment amount printed on the letter.
3. If you're married and filed a joint return, know that each spouse gets a separate letter showing half of the total — add both halves together for your return.
4. Compare the amount you received to what you were actually entitled to. If you got less than you should have (for example, you had a new baby or added a dependent in 2021), you may be able to claim the Recovery Rebate Credit.
5. You can also check the payment amount by signing in to your IRS Online Account.

What happens if you ignore it

Nothing bad happens directly, since this letter is just a record. But if you ignore it and enter the wrong stimulus amount on your 2021 return, the IRS may adjust your refund or delay processing your return.

If you never received the third stimulus payment shown on this letter, or you think the amount is wrong, contact the IRS or a tax professional before filing so your 2021 return matches their records.

What Letter 6475 Means for You

Letter 6475 is a summary the IRS mailed starting in January 2022. It shows the total of your third stimulus payment (officially the third Economic Impact Payment) plus any plus-up payments — extra amounts the IRS sent after looking at your 2020 return. All of it covers payments issued between March and December 2021.

You need this number when you file your 2021 tax return. It helps you figure out whether you can claim the Recovery Rebate Credit — money you were owed but didn't fully receive. For example, if you had a baby in 2021 or added a new dependent, you may be able to claim up to $1,400 for that person.

If you're married and filed jointly, watch for this: each spouse gets a separate letter showing half the total. Add both halves together. You can also confirm the amount by signing in to your IRS Online Account.

There's no bill and no deadline here — just keep the letter and use the number correctly.

Want peace of mind? Solace can keep an eye on your IRS account so you always know where things stand.