If you’re wondering why your tax refund hasn’t arrived yet, you’re not alone. Millions of Americans are still receiving federal tax refunds in July 2025, particularly those who filed paper returns close to the tax deadline or had claims requiring additional verification.
The IRS continues to process a backlog of returns and is steadily releasing refund payments in weekly batches.
Here’s everything you need to know to find out whether your IRS refund is on its way, and what to do if it’s delayed.
Who’s Receiving IRS Refunds in July 2025?
According to the IRS’s current processing schedule, Americans who filed paper tax returns between May 1st and May 31st fall into two refund windows:
| Filing Date | Expected Refund Deposit Dates |
|---|---|
| May 1 – May 15, 2025 | Between June 26 – July 10, 2025 |
| May 16 – May 31, 2025 | Between July 11 – July 25, 2025 |
Those who e-filed should have seen their refunds within 10–21 days. If it’s been longer than that and you haven’t received anything, it’s time to double-check your return for errors or pending identity verification.
Why Is My Refund Delayed?
Several reasons can slow down your refund:
- Paper Filing: Slower than e-filing due to manual processing.
- Errors or Incomplete Information: Mistakes in your return can trigger manual reviews.
- Credits Claimed: Claiming the Child Tax Credit (CTC) or Earned Income Tax Credit (EITC) often prompts additional verification.
- Identity Verification: If flagged for possible identity theft, the IRS will send you a letter to verify your details.
IRS staffing shortages and ongoing modernization efforts are also contributing to processing delays in 2025.
How to Track Your Refund Online
Your best option for live updates is the “Where’s My Refund?” tool on the official IRS website. You’ll need:
- Social Security Number (SSN) or ITIN
- Filing status
- Exact refund amount
This tool is updated daily and will let you know whether your return is still processing or if a refund has been issued.
When to Contact the IRS
You may need to call the IRS if:
- You filed electronically more than 21 days ago and there’s no update.
- You filed a paper return over 6–8 weeks ago with no refund.
- You received a letter requesting identity or document verification and need help responding.
IRS Contact Numbers:
| Reason | Phone Number |
|---|---|
| General Refund Inquiries | 800-829-1040 |
| Amended Returns (Form 1040-X) | 866-464-2050 |
Expect long wait times—these lines are in high demand during peak refund weeks.
Quick Refund Troubleshooting Guide
| Situation | What to Expect |
|---|---|
| E-file + Direct Deposit | Refund in 10–21 days (if error-free) |
| Paper filed May 1–15 | Refund between June 26 – July 10 |
| Paper filed May 16–31 | Refund between July 11 – July 25 |
| E-filed but delayed | Check “Where’s My Refund?” and IRS notices |
| Paper returns over 8 weeks old | Likely held for manual or identity review |
The IRS continues to issue tax refunds into late July 2025, especially for those who filed by mail or close to the deadline. While e-file + direct deposit remains the fastest route, many are still waiting on paper return processing.
Use the “Where’s My Refund?” tool to stay updated, and if your refund is well outside the expected window, consider contacting the IRS. Rest assured, your refund is likely on the way—just delayed, not denied.
FAQs
When will I receive my July 2025 tax refund if I filed by mail?
If you filed between May 1–31, expect your refund between June 26 and July 25, depending on the exact date.
Why is my IRS refund taking so long?
Common reasons include paper filing, manual review, credit verification, or identity check delays.
How can I track my tax refund?
Use the IRS “Where’s My Refund?” tool with your SSN, filing status, and refund amount. It updates every 24 hours.