Printable Year-End Financial Checklist

Year-End Financial Checklist

Complete by December 31 for optimal financial health

🏦 Banking & Accounts

Review all bank account statements for accuracyClose unused bank accounts to avoid feesUpdate beneficiaries on all accountsConsolidate accounts if you have too manyReview and negotiate bank fees

💰 Tax Planning

Gather all tax documents (W-2s, 1099s, receipts)Review charitable donation receipts (need by Dec 31)Make final charitable donations before year-endHarvest tax losses in investment accountsMax out retirement contributions if possibleFund HSA/FSA accounts before deadlineSchedule appointment with tax professionalReview estimated tax payments for next year

📊 Investments & Retirement

Review investment portfolio performanceRebalance portfolio to target allocationMax out 401(k) contribution ($23,000 limit)Contribute to IRA ($7,000 limit, $8,000 if 50+)Take Required Minimum Distribution if 73+ years oldConsider Roth conversion if beneficialReview beneficiaries on all retirement accountsIncrease 401(k) contribution for next year

🏥 Insurance & Benefits

Review health insurance coverage for next yearSpend remaining FSA funds (use it or lose it)Review life insurance coverage adequacyCheck disability insurance policyReview homeowners/renters insuranceReview auto insurance and shop ratesUpdate all insurance beneficiariesSchedule annual health checkups

💳 Debt & Credit

Pull free credit report from all 3 bureausReview credit score and dispute errorsCalculate total debt owedMake extra debt payment before year-endReview all credit card statements for errorsClose unused credit cards (keep oldest)Negotiate lower interest rates on cardsSet up automatic minimum payments

📝 Budget & Planning

Calculate net worth (assets minus liabilities)Review entire year's spending by categoryCreate budget for next yearSet financial goals for next yearReview and adjust automatic transfersCancel unused subscriptionsPlan major purchases for next yearSchedule monthly money check-ins for next year

🏠 Home & Property

Review mortgage statement and escrow accountConsider refinancing if rates are favorableMake extra mortgage payment if possibleReview property tax assessmentDocument home improvements for taxesReview home equity line of credit terms

📄 Estate Planning

Review or create willUpdate power of attorney documentsReview healthcare directivesUpdate all beneficiary designationsCreate or update trust if neededOrganize important documents for familyShare account information with trusted person

🎯 Personal Goals

Reflect on financial wins from this yearIdentify lessons learned from mistakesSet 3-5 financial goals for next yearCreate action plan for each goalSchedule quarterly financial reviewsFind accountability partner for goalsCelebrate financial progress made this year

Progress: 0 of 0 tasks completed (0%)

How to Use This Checklist

Print or save: Use the buttons above to print or download as PDF
Work systematically: Complete one section at a time
Set deadlines: Aim to finish by December 31
Track progress: Check boxes as you complete each task
Review regularly: Use this checklist every year

Printable Year-End Checklist