Year-End Money Checklist

A few hours in December can save money all next year. Tick these off before the year ends. Your progress saves on this device.

Subscriptions and spending

List every subscription you pay forCancel the ones you haven't used in the last monthCheck for free trials that will turn into paid plansReview this year's bank and card statements for surprisesLook for duplicate services (two streaming apps, two cloud storage plans)

Accounts and benefits

Check whether you have flexible spending (FSA) money that expires, and your plan's deadlineCheck retirement contribution deadlines with your planReview your insurance (home, car, health) before renewalsCheck your free credit reports for errorsUpdate beneficiaries if your life changed this year

Giving and taxes

Make any charitable gifts you planned for this yearSave receipts for donationsStart a folder for next year's tax documentsNote any big medical or work expenses this year

Plan next year

Write down your total spending for this yearSet one savings goal for 2027Set up automatic transfers to savingsChoose a monthly money check-in datePlan for big known expenses (car, holidays, birthdays)Celebrate one money win from this year

General information, not financial or tax advice. Check deadlines and rules with your plan provider or a tax professional.

More life checklists

Moving ChecklistChecklist · 8 weeks out to day one New Year Digital DeclutterChecklist · one afternoon After-Holidays ResetChecklist · first week of January Emergency checklistsstorm, outage, go bag

Questions

What should I do with my money before the end of the year?

Review subscriptions and statements, use any expiring benefits, make planned donations, organise tax documents and set goals for next year.

How do I find all my subscriptions?

Search your bank and card statements for recurring charges, and check your phone's subscription settings and your email for receipts.