2025 Personal Finance Calendar

This calendar is designed to help you stay organized and focused on your financial goals. From important tax deadlines to helpful tips and even federal holidays, these key dates for 2025 will keep you on track all year long.  

Focus on: Start the year strong by prioritizing your financial goals. Reflect on your current financial situation and create a plan that aligns with both short- and long-term objectives. Set measurable milestones and revisit your plan periodically to ensure you're on track. Read now for more tips.

Tip: Set up automatic transfers to your emergency savings account, just like a regular monthly expense. This ensures steady growth of your funds and helps you build a safety net with minimal effort.

Pay: If you're self-employed or underpaying based on your income, make 2024 fourth-quarter estimated tax payments by January 15.

January 1: New Year’s Day

January 20: Martin Luther King, Jr. Day

Focus on: Establishing an organized financial foundation is key. Gathering your tax documents now will help you avoid last-minute stress. Our Financial Tip Friday video on the Three Bucket Strategy has tips on managing your money across short-, medium-, and long-term goals.

Tip: Sign up for electronic tax returns to speed up the process.

February 17: Presidents’ Day

Focus on: Choose a date in March to create a plan for your tax refund, bonuses, or any potential pay increases. Want to pay less taxes? Read our blog to explore strategic tax planning options.

Medicare reminder: March 31 is the last day for Medicare enrollees to apply for Parts A and B for coverage beginning in July.

Focus on: America Saves Week is April 7-11. This is a perfect time to make additional contributions to retirement accounts or financial goals. Use this calculator to see how long your retirement savings will last.

Reminder: File your income tax return by April 15, or request an extension, but any taxes owed are still due then. The last day to make 2024 IRA contributions is also April 15.

Bonus: Review and adjust your budget for significant events or activities in the coming months, like attending weddings or a vacation.

Focus on: Debt can cause additional stress, but taking time to assess your situation and using a debt calculator to create a pay off plan can help reduce anxiety.

Bonus: Celebrate 529 day (May 29) by setting up a 529 Plan to save for your child/children’s future college costs.

May 26: Memorial Day

Focus on: Saving for your children's education requires a long-term strategy. Just like saving for retirement, the earlier you start, the better. Use this calculator to help develop or fine-tune education savings.

Pay: If you're self-employed or underpaying based on your income, make second-quarter estimated tax payments by June 15.

Reminder: Submit your free Federal Student Aid (FAFSA) for the 2025-2026 school year by June 30.

June 19: Juneteenth

Focus on: Midyear is a great time to review your financial goals. Are you hitting spending and saving targets? If not, watch our video for practical and effective ways to stay on track. You have time to change your habits before the year ends.

Bonus: Adjust your budget to add extra contributions to your IRA or 401(k).

July 4: Independence Day

Focus on: A good credit score is 700+, and an exceptional score is 800+. Checking your credit report regularly through free services like Experian, Equifax, or TransUnion can help you spot any inaccuracies that may affect your score. Watch our FTF video to better understand the power of your credit score and learn steps to improve and maintain it for strong financial standing.

Tip: You’re entitled to a free copy of your credit report every 12 months from each of the three nationwide credit reporting agencies.

Focus on: Secure your family's future by reviewing your estate plan and make sure your will, trusts, and beneficiaries are up to date. Our 3 part Financial Tip Friday series on estate planning dives into more detail.

Tip: Consider incorporating digital asset management into your estate planning to protect your online accounts and passwords.

Bonus: Open enrollment starts soon, take time to review your employee benefits like 401(k), health election, and life and disability insurance so you’re prepared.

Pay: If you’re self-employed or underpaying based on your income, make third-quarter estimated tax payments by September 15.

September 1: Labor Day

Focus on: October is cyber security month. Update passwords, enable two-factor authentication, and monitor accounts for any suspicious activity. Protecting your online assets is essential in today’s digital age.

Pay: If you filed for a tax extension, October 15 is your new deadline.

October 13: Columbus Day

Focus on: The deadline for a charitable contribution in a given tax year is Dec. 31 of that year. Explore donor-advised funds and strategically time your philanthropic contributions for financial planning success.

Take: For everyone 73 or older in 2025, Required Minimum Distributions (RMDs) are the minimum amounts you must withdraw from your retirement accounts each year—learn how to avoid these costly mistakes.

Health insurance reminder: The federal health insurance marketplace enrollment for 2025 coverage starts November 1.

November 11: Veterans Day

November 27: Thanksgiving 

Focus on: The holiday season is the perfect time to embrace financial balance—enjoying gift-giving, indulging in dream vacations, and savoring life's little luxuries without straining your budget.

Health insurance reminder: Enroll or change 2025 federal health coverage plans by December 15, 2025.

December 25: Christmas Day

• Age 26: Sign up for health insurance through your employer or at healthcare.gov.
• Age 50: You’re now eligible to max out catch-up contributions.
• Age 59½: You can begin withdrawing from your retirement accounts, without facing a 10% early withdrawal penalty.
• Age 60-30: You can contribute $11,250 to retirement accounts.
• Age 62: While you can start claiming Social Security benefits as early as 62, doing so results in reduced benefits. Delaying benefits can result in significantly higher monthly payments in the long term.
• Age 67: For those born in 1960 or later, full retirement age (FRA) is 67, this is when you can receive your full Social Security benefits.
• Age 73: Ensure you’ve mapped out your RMD plan to avoid costly penalties, and consider converting traditional IRAs to Roth IRAs ahead of this milestone if it aligns with your tax planning strategy.