Never miss a money deadline again.
April 15 is the famous one — but there are dozens more, and missing them costs real money. Money Calendar keeps every critical date in one place, tuned to your life, and syncs to the calendar you already use.
These 14 dates apply to everyone, so they are free and here in full. 89 more depend on your own life — a kid filling out the FAFSA, a job with an enrollment window, a house with an escrow letter — and those are on the member calendar. See what is on it.
Your year at a glance
Tap a month to see just its deadlines.
14 dates on your calendar
Your dates
- Planning
Annual financial review
Financial Wellness Month — observed widely in January; no single body owns it
January 15Details
Kick off the year with a look at your Blueprint, net worth, and goals.
- Update your goals and net worth
- Reset your savings targets for the year
- Taxes
Your W-2s and 1099s should have arrived
January 31Details
Employers and payers have to get your tax forms out by the end of January. If one is missing, this is the week to chase it — not April.
- List every job and side gig you had last year
- Check that a form arrived for each one
- Ask the payer for a copy of anything missing
- Planning
W-4 withholding checkup
January 31Details
Start the year by checking your paycheck withholding — especially after a raise, marriage, or new child.
- Review your W-4 after any big life change
- Adjust so you're not over- or under-withholding
- Planning
Learn one money thing you've been guessing at
Financial Literacy Month — recognized by Congress; federal agencies publish free material all month
April 1Details
Nothing is due in April except your taxes. This one is a prompt: pick the single word or form you nod along to and have never actually understood — the APR, the match, the deductible — and spend twenty minutes on it. The free material published this month is from agencies with nothing to sell you.
- Name one thing you've been guessing at
- Read one plain-English explanation of it
- Change one thing because of what you read
- Taxes
Federal income tax filing deadline
April 15Details
File your federal return (or an extension) and pay any balance owed.
- Gather your W-2s, 1099s, and deduction records
- File your return or request an extension
- Pay any balance to avoid penalties and interest
- Retirement
IRA contribution deadline (prior year)
April 15Details
Last day to contribute to an IRA for the previous tax year — a rare second chance to boost last year's savings.
- Check how much IRA room you have left for last year
- Contribute before the deadline if you can
- Benefits
Check what happens to your pay if you can't work
Disability Insurance Awareness Month — run by Life Happens, an insurance-industry nonprofit
May 1Details
If you work with your hands, your income is the asset — not the truck, not the house. Most people can say what their life insurance would pay and not what their disability cover would pay, or whether they have any. Nothing is due this month; the job is finding out what you already have before you need it.
- Find out whether your employer offers short- or long-term disability, and what share of your pay it replaces
- Check whether the premium comes out before or after tax — that decides whether the benefit is taxed
- If you're self-employed, price covering yourself while you don't need it
- Housing
Run your own rent-or-buy numbers
National Homeownership Month — run by HUD, the federal housing department
June 1Details
June is the month the whole industry tells you to buy. Do the arithmetic yourself instead. Renting is not throwing money away and owning is not automatically building wealth — which one wins depends mostly on how long you stay, and that is a number only you have.
- Add up what owning would really cost — taxes, insurance and upkeep, not just the payment
- Work out how long you'd have to stay for buying to come out ahead
- If you already own, this is a good week to read your escrow statement
- Family
Write the will, or check the one you have
Make-A-Will Month — a campaign run by online will services and community foundations
August 1Details
A will is not about how much you own. It is about who decides, and who has to go to court because you never said. If you already have one, the usual problem is that it is out of date — a guardian who moved away, a name that should have changed years ago.
- Say who raises your kids if you can't — that is the part only a will does
- Name someone to handle your affairs, and tell them where it is
- Check your beneficiary forms too: on retirement accounts and life insurance they override the will
- Money & Credit
Lock down the accounts that hold your money
Cybersecurity Awareness Month — run by CISA, the federal cybersecurity agency
October 1Details
Start with your email, not your bank. Whoever controls your email can reset the password on everything else you own, which makes it the most valuable account you have and usually the least protected.
- Turn on two-step sign-in for your email first, then your bank and any brokerage
- Use an app or a security key rather than text codes where the account offers one
- Check the recovery phone number and address on your email — an old number is a way in
- Taxes
Extended tax return due
October 15Details
If you filed for an extension in April, this is the last day. An extension moved the paperwork, never the payment — anything owed has been running interest since April.
- Finish and file the return
- Pay whatever is still owed
- Retirement
Next year's contribution limits are announced
November 1Details
The IRS sets next year's 401(k), IRA and HSA limits in the fall. If you save a fixed amount per paycheck, this is when to check whether the ceiling moved.
- Look up next year's limits for the accounts you use
- Adjust your per-paycheck amount if the ceiling went up
- Healthcare
ACA Marketplace open enrollment
November 1 – January 15Details
Enroll in or change a marketplace health plan for next year (if you don't have employer coverage).
- Compare plans on total cost, not only the premium
- Check whether you qualify for subsidies
- Enroll before the window closes
- Healthcare
Last day to enroll for January 1 coverage
December 15Details
Open enrollment runs into January, but the plan you pick after this date usually starts February 1, not January 1. That gap is a month with no coverage — and it is the easiest month of the year to need it.
- Pick your plan by the 15th if you want cover from January 1
- Check your own state's date — Idaho, Connecticut and Massachusetts run their own calendar
- Pay the first premium, or the enrollment does not stick
These are the standard U.S. deadlines. Exact dates shift year to year (weekends and holidays) and by state — always confirm your own, especially property tax and state filing dates. Money Calendar is education, not tax or legal advice. Filter to what applies to you and add any date straight to your own calendar.
For members
The other 89 dates are the ones your own life puts on the calendar.
Everything above applies to everyone. These do not — they depend on whether you have a teenager, whether your employer runs an enrollment window, whether you own the roof over your head. Tell us once in Settings and they show up on your calendar, with a reminder ahead of each one, every year.
Planning
- Portfolio and fee checkup
- Year-end giving & tax moves
- Check your Social Security earnings record
- Savings rate and interest checkup
- and 20 more
Taxes
- Q1 estimated tax payment
- Send 1099-NECs to anyone you paid
- Your state's sales tax holiday
- Decide where the refund goes
- and 6 more
Education
- FAFSA opens
- CSS Profile opens
- State and college aid priority deadlines
- Early action and early decision applications
- and 6 more
Benefits
- Employer open enrollment
- FSA use-it-or-lose-it
- FSA grace period ends
- Last day to file FSA claims
- and 5 more
Family
- Life insurance checkup
- Beneficiary and estate document review
- Your annual money conversation
- Aging parents check-in
- and 4 more
Retirement
- 401(k) contribution cutoff
- Required Minimum Distribution (RMD) deadline
- Open a solo 401(k) before year end
- Roth conversion deadline
- and 3 more
Healthcare
- Medicare open enrollment
- HSA contribution deadline (prior year)
- Medicare General Enrollment
- Your health deductible resets
- and 3 more
Money & Credit
- Pull your credit reports
- Identity and fraud checkup
- Debt payoff checkup
- Get this year's IRS identity PIN
- and 3 more
Housing
- Property tax deadlines
- Your mortgage escrow analysis arrives
- Energy bill assistance opens
- Your lease renewal notice window
- and 3 more
Included from Core up, and your 14-day trial opens it in full.
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