If my refund says estimated due date 2/20/25, when should I actually expect it?

Never go by estimated dates. This is just a projection date based on the assumption that the IRS will process your return within the regular 21 days timeframe. 

The IRS issues most refunds within 21 days, assuming that there is no delay and nothing is holding your return. Some returns are subject to an automatic hold due to the Path Act when certain credits are claimed. 

The (PATH Act) prevents the IRS from issuing early refunds (before mid-February) on any tax return that claims the Earned Income Tax Credit (EIC) and/or Additional Child Tax Credit. You can expect your refund by "March 3rd" assuming that there is no hold or other issues with your return. For more information click on the link below

When will I get my refund if I claimed the Earned Income Tax Credit or Additional Child Tax Credit?
 

You can also monitor your refund status by clicking on the link below 

To track your Federal Refund 

Where's my Refund

To track your State Refund 

How do I track my state's refund?

Always go by the actual date provided on the website as we have no control over your return once the IRS has accepted it for processing. If you have any inquiries on any delay you should contact the IRS or your state Department of Revenue directly.