Dates to add to your calendar to be smarter about money in 2023

Good money management isn’t just about keeping track of your earning and spending. Many financial tasks come with a deadline or due date you don’t want to miss.

On top of knowing when your monthly bills are due (or even better, automating your payments so you don’t miss one), add these important money deadlines to your 2023 calendar to be smarter with your money all year.

• Open enrollment for 2023 Health Insurance Marketplace plans ends. If you’re looking to enroll in a health insurance plan through the Affordable Care Act’s Marketplace, this is the last day to get coverage for the year. 

• Filing due for individuals who make estimated tax payments. If you own a business, freelance or make income another way that doesn’t require you to withhold taxes, you may need to make estimated tax payments throughout the year. For earnings from September through December of 2022, estimated tax payments are due Jan. 17, 2023.

• Individual withholding exemptions due. Exempt from withholding taxes? You’ll need to re-certify this every year with a new Form W-4 by Feb. 15.

• Individual tax returns and payments due. Tax returns are due on April 18 in 2023 because the typical tax day — April 15 — falls on a Saturday and Washington, D.C., observes Emancipation Day on April 17. 
• Payment for any outstanding 2022 income taxes due. Individuals may file an extension (also due by Tax Day) to move the due date for their paperwork back to Oct. 16, but payments remain due in April. 
• First quarter estimated tax payments due.
• Last day to make 2022 IRA and HSA contributions. If you’re looking to lower your taxable income at the last minute, this is the last day to make 2022 contributions to individual retirement accounts and health savings accounts.