BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Wealthy Pot//Money Deadlines//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:2027 Money Deadlines: Students and parents (Wealthy Pot)
X-WR-TIMEZONE:America/New_York
REFRESH-INTERVAL;VALUE=DURATION:P1W
X-PUBLISHED-TTL:P1W
BEGIN:VEVENT
UID:2027-new-contribution-limits-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270101
DTEND;VALUE=DATE:20270102
SUMMARY:New 2027 401(k)\, TSP and IRA limits take effect
DESCRIPTION:The inflation-adjusted 2027 limits for 401(k)\, 403(b)\, 457(b)
 \, TSP and IRA contributions apply from the first paycheck of 2027. Raise 
 your contribution percentage if you want to save the new maximum\; the IRS
  publishes the figures in a notice each fall.\n\nDetails: https://wealthyp
 ot.com/2027-money-deadlines/#new-contribution-limits-2027\nSource: https:/
 /www.govinfo.gov/link/uscode/26/402?type=usc&year=mostrecent&link-type=htm
 l
URL:https://wealthypot.com/401k-contribution-limits-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New 2027 401(k)\, TSP and IRA limits take effect
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-open-enrollment-2027-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270115
DTEND;VALUE=DATE:20270116
SUMMARY:Last day of ACA Marketplace Open Enrollment for 2027
DESCRIPTION:Last day to pick or change a HealthCare.gov plan for 2027 (plan
 s picked December 16 to January 15 start February 1). After this you need 
 a Special Enrollment Period\; some state exchanges use other end dates.\n\
 nDetails: https://wealthypot.com/2027-money-deadlines/#aca-open-enrollment
 -2027-ends\nSource: https://www.cms.gov/files/document/ftr-requirement-py2
 6-27-statement.pdf
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day of ACA Marketplace Open Enrollment for 2027
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-season-opens-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270118
DTEND;VALUE=DATE:20270119
SUMMARY:Opens: IRS starts accepting 2026 tax returns (date TBA)
DESCRIPTION:Runs to 2027-01-31. The IRS opens e-filing for 2026 returns in 
 late January and announces the exact day in early January. Filing early wi
 th direct deposit gets refunds fastest\; nothing is due on this date. Expe
 cted date (not yet published\; basis: Not yet announced. Pattern: the 2026
  season opened Monday\, January 26\, 2026 (IR-2026-02\, announced Jan 8\, 
 2026). Window shown is our estimate\, not an IRS date.).\n\nDetails: https
 ://wealthypot.com/2027-money-deadlines/#tax-season-opens\nSource: https://
 www.irs.gov/newsroom/irs-announces-first-day-of-2026-filing-season-online-
 tools-and-resources-help-with-tax-filing
URL:https://wealthypot.com/how-to-prepare-tax-season-checklist/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: IRS starts accepting 2026 tax returns (date TBA)
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-season-opens-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270131
DTEND;VALUE=DATE:20270201
SUMMARY:Last day: IRS starts accepting 2026 tax returns (date TBA)
DESCRIPTION:Opened 2027-01-18. The IRS opens e-filing for 2026 returns in l
 ate January and announces the exact day in early January. Filing early wit
 h direct deposit gets refunds fastest\; nothing is due on this date. Expec
 ted date (not yet published\; basis: Not yet announced. Pattern: the 2026 
 season opened Monday\, January 26\, 2026 (IR-2026-02\, announced Jan 8\, 2
 026). Window shown is our estimate\, not an IRS date.).\n\nDetails: https:
 //wealthypot.com/2027-money-deadlines/#tax-season-opens\nSource: https://w
 ww.irs.gov/newsroom/irs-announces-first-day-of-2026-filing-season-online-t
 ools-and-resources-help-with-tax-filing
URL:https://wealthypot.com/how-to-prepare-tax-season-checklist/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: IRS starts accepting 2026 tax returns (date TBA)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-w2-1099-nec-due@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270201
DTEND;VALUE=DATE:20270202
SUMMARY:W-2 and 1099-NEC forms due to workers
DESCRIPTION:Employers must give you your 2026 Form W-2\, and clients who pa
 id you as a contractor must send Form 1099-NEC\, by February 1\, 2027 (Jan
 uary 31 falls on a Sunday). If a form is missing\, ask the payer\, then ca
 ll the IRS.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#w2-10
 99-nec-due\nSource: https://www.irs.gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/tools/1099-tax-calculator/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:W-2 and 1099-NEC forms due to workers
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-hsa-contribution-deadline-2026@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Last day for 2026 HSA contributions
DESCRIPTION:If you had HSA-eligible coverage in 2026\, you can contribute f
 or 2026 until April 15\, 2027 (designate the deposit as a 2026 contributio
 n). A filing extension does not extend this deadline.\n\nDetails: https://
 wealthypot.com/2027-money-deadlines/#hsa-contribution-deadline-2026\nSourc
 e: https://www.govinfo.gov/link/uscode/26/223?type=usc&year=mostrecent&lin
 k-type=html
URL:https://wealthypot.com/hsa-contribution-limits/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day for 2026 HSA contributions
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-ira-roth-contribution-deadline-2026@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Last day for 2026 IRA and Roth IRA contributions
DESCRIPTION:You can still make a 2026 traditional or Roth IRA contribution 
 until the April 15\, 2027 filing deadline\; tell your IRA provider it is f
 or 2026. A filing extension does not extend this deadline.\n\nDetails: htt
 ps://wealthypot.com/2027-money-deadlines/#ira-roth-contribution-deadline-2
 026\nSource: https://www.govinfo.gov/link/uscode/26/219?type=usc&year=most
 recent&link-type=html
URL:https://wealthypot.com/roth-ira-contribution-limits-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day for 2026 IRA and Roth IRA contributions
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-filing-deadline-2026-returns@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:2026 tax returns due (or file for an extension)
DESCRIPTION:File your 2026 Form 1040 and pay any tax owed by April 15\, 202
 7. If you need more time to file\, submit Form 4868 by the same day\; an e
 xtension does not extend the time to pay\, so interest and penalties run o
 n unpaid tax.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#tax
 -filing-deadline-2026-returns\nSource: https://www.irs.gov/pub/irs-dft/p50
 9--dft.pdf
URL:https://wealthypot.com/irs-free-file/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:2026 tax returns due (or file for an extension)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-i-bond-rate-may-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270501
DTEND;VALUE=DATE:20270502
SUMMARY:New I bond rate for bonds bought from May 1
DESCRIPTION:Treasury resets the I bond fixed rate and inflation rate every 
 May 1. Compare the announced rate with the current one: buying by the end 
 of April locks in the old fixed rate for the life of the bond.\n\nDetails:
  https://wealthypot.com/2027-money-deadlines/#i-bond-rate-may-2027\nSource
 : https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-ra
 tes/
URL:https://wealthypot.com/i-bonds/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New I bond rate for bonds bought from May 1
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-federal-student-loan-rates-2027-28@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270701
DTEND;VALUE=DATE:20270702
SUMMARY:New federal student loan rates for 2027-28
DESCRIPTION:Direct Loans first disbursed from July 1\, 2027 through June 30
 \, 2028 carry a fixed rate set from the last 10-year Treasury note auction
  before June 1\, 2027. Loans you already have keep their rate.\n\nDetails:
  https://wealthypot.com/2027-money-deadlines/#federal-student-loan-rates-2
 027-28\nSource: https://www.govinfo.gov/link/uscode/20/1087e?type=usc&year
 =mostrecent&link-type=html
URL:https://wealthypot.com/student-loan-interest-rates/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New federal student loan rates for 2027-28
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-second-loan-rehabilitation@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270701
DTEND;VALUE=DATE:20270702
SUMMARY:Second federal student loan rehabilitation allowed
DESCRIPTION:From July 1\, 2027\, a borrower whose federal student loan is i
 n default can rehabilitate it a second time (the limit was once). A second
  rehabilitation cannot start before this date.\n\nDetails: https://wealthy
 pot.com/2027-money-deadlines/#second-loan-rehabilitation\nSource: https://
 www.congress.gov/119/plaws/publ21/PLAW-119publ21.pdf
URL:https://wealthypot.com/student-loan-forgiveness/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Second federal student loan rehabilitation allowed
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-fafsa-2028-29-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271001
DTEND;VALUE=DATE:20271002
SUMMARY:2028-29 FAFSA opens (by law\, no later than Oct 1)
DESCRIPTION:The FAFSA for the 2028-29 school year must be available by Octo
 ber 1\, 2027. File early: many state and college aid deadlines are first-c
 ome\, first-served and fall months before the federal deadline.\n\nDetails
 : https://wealthypot.com/2027-money-deadlines/#fafsa-2028-29-opens\nSource
 : https://www.govinfo.gov/link/uscode/20/1090?type=usc&year=mostrecent&lin
 k-type=html
URL:https://wealthypot.com/fafsa-deadline/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:2028-29 FAFSA opens (by law\, no later than Oct 1)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-extended-tax-return-deadline@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271015
DTEND;VALUE=DATE:20271016
SUMMARY:Extended 2026 tax returns due
DESCRIPTION:If you filed Form 4868 by April 15\, file your 2026 return by O
 ctober 15\, 2027. There is no further automatic extension\, and interest o
 n unpaid tax has run since April 15.\n\nDetails: https://wealthypot.com/20
 27-money-deadlines/#extended-tax-return-deadline\nSource: https://www.irs.
 gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/irs-payment-plan/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Extended 2026 tax returns due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-open-enrollment-2028-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271101
DTEND;VALUE=DATE:20271102
SUMMARY:Opens: ACA Marketplace Open Enrollment for 2028 (expected)
DESCRIPTION:Runs to 2028-01-15. Shop\, renew or change a HealthCare.gov pla
 n for 2028. The 2028 dates are not announced yet: the 2025 rule that would
  end Open Enrollment by December 31 was struck in court in June 2026\, and
  CMS kept the November 1 to January 15 window for 2027\; state exchanges s
 et their own dates. Expected date (not yet published\; basis: 45 CFR 155.4
 10(e)(4) (Nov 1 - Jan 15) as applied by CMS after City of Columbus v. Kenn
 edy\, No. 1:25-cv-2114 (D. Md. June 12\, 2026). eCFR still prints 155.410(
 e)(5) (end by Dec 31\, max 9 weeks\, for 2027+). CMS has not published PY2
 028 dates.).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#aca-
 open-enrollment-2028\nSource: https://www.cms.gov/files/document/ftr-requi
 rement-py26-27-statement.pdf
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: ACA Marketplace Open Enrollment for 2028 (expected)
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-open-enrollment-2028-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20280115
DTEND;VALUE=DATE:20280116
SUMMARY:Last day: ACA Marketplace Open Enrollment for 2028 (expected)
DESCRIPTION:Opened 2027-11-01. Shop\, renew or change a HealthCare.gov plan
  for 2028. The 2028 dates are not announced yet: the 2025 rule that would 
 end Open Enrollment by December 31 was struck in court in June 2026\, and 
 CMS kept the November 1 to January 15 window for 2027\; state exchanges se
 t their own dates. Expected date (not yet published\; basis: 45 CFR 155.41
 0(e)(4) (Nov 1 - Jan 15) as applied by CMS after City of Columbus v. Kenne
 dy\, No. 1:25-cv-2114 (D. Md. June 12\, 2026). eCFR still prints 155.410(e
 )(5) (end by Dec 31\, max 9 weeks\, for 2027+). CMS has not published PY20
 28 dates.).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#aca-o
 pen-enrollment-2028\nSource: https://www.cms.gov/files/document/ftr-requir
 ement-py26-27-statement.pdf
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: ACA Marketplace Open Enrollment for 2028 (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-i-bond-rate-nov-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271101
DTEND;VALUE=DATE:20271102
SUMMARY:New I bond rate for bonds bought from Nov 1
DESCRIPTION:Treasury resets the I bond fixed rate and inflation rate every 
 November 1. Buying by the end of October locks in the old fixed rate for t
 he life of the bond.\n\nDetails: https://wealthypot.com/2027-money-deadlin
 es/#i-bond-rate-nov-2027\nSource: https://www.treasurydirect.gov/savings-b
 onds/i-bonds/i-bonds-interest-rates/
URL:https://wealthypot.com/i-bonds/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New I bond rate for bonds bought from Nov 1
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-enroll-for-jan-1-2028@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271215
DTEND;VALUE=DATE:20271216
SUMMARY:Pick an ACA plan by Dec 15 for Jan 1 coverage (expected)
DESCRIPTION:On HealthCare.gov\, plans picked by December 15 have started Ja
 nuary 1\; later picks start February 1. Confirm on HealthCare.gov once CMS
  posts the 2028 dates\; state exchanges differ. Expected date (not yet pub
 lished\; basis: 45 CFR 155.410(f)(3) (pre-2025 text applied by CMS for PY2
 027)\; HealthCare.gov dates page (current cycle). Not yet published for PY
 2028.).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#aca-enrol
 l-for-jan-1-2028\nSource: https://www.healthcare.gov/quick-guide/dates-and
 -deadlines/
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Pick an ACA plan by Dec 15 for Jan 1 coverage (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-401k-deferrals-year-end@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271231
DTEND;VALUE=DATE:20280101
SUMMARY:Last 2027 paycheck to make 401(k)/TSP deferrals
DESCRIPTION:Employee 401(k)\, 403(b) and TSP deferrals count toward the yea
 r they come out of your pay\, so only paychecks dated in 2027 can fill the
  2027 limit. Change your percentage early enough for your final payroll ru
 ns.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#401k-deferral
 s-year-end\nSource: https://www.ecfr.gov/current/title-26/part-1/section-1
 .402(g)-1
URL:https://wealthypot.com/how-much-to-contribute-to-401k/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last 2027 paycheck to make 401(k)/TSP deferrals
TRIGGER:-P7D
END:VALARM
END:VEVENT
END:VCALENDAR