Important tax dates and deadlines throughout the year

Mark your calendar with these important tax deadlines as well as retirement account deadlines. Doing so can help simplify your financial life and may help you avoid IRS penalties.

 

State filing and payment deadlines vary and are not always the same as the federal filing deadlines, which are listed below. Check with your state tax agencies or your tax preparer for those details.

December 31, 2024

  • Deadline to take required minimum distributions (RMDs) for 2024 tax year.
  • Last day to convert a Traditional IRA to a Roth IRA for 2024 tax year. Please verify with your financial advisor the amount of time to process the conversion to meet this deadline.
  • Deadline to sell non-qualified securities to realize a gain or loss for the 2024 tax year, for calendar year taxpayers.
  • Last day to make charitable gifts which may qualify for a federal income tax deduction on your 2024 return for calendar year taxpayers.

January 31, 2025

This is an important tax filing date for employers, as it’s the deadline for them to mail out Form W-2, Wage and Tax Statements, and generally, for businesses to send various Forms 1099, which report, for example, non-employee compensation, bank interest, and distributions from a retirement plan, which help calculate your total taxable income. However, extended timelines may apply, resulting in a later mailing date.

February 15, 2025

Deadline for brokers to send various Forms 1099 for accounts which include securities and report interest, dividends, proceeds from sales, and other income to help you calculate your total taxable income. However, extended timelines may apply, resulting in a later mailing date.

April 15, 2025

  • Deadline to file federal 2024 individual income tax returns.
  • Deadline to file for a federal extension (see Form 48681) and pay any taxes owed to the IRS.
  • Deadline for 2024 IRA/HSA contributions.
  • A penalty may apply if you don’t pay the amount due and file a tax return by the due date. Filing an extension does not extend the time to pay your taxes but will generally prevent the late filing penalty from applying if you file by the extended due date.2

October 15, 2025

  • Deadline to file federal 2024 individual income tax returns (if you filed an extension with the IRS).
  • If you filed for an extension for your personal taxes, you will have until the October 15 deadline to file the paperwork for your individual tax return. However, any taxes you owe are still due on April 15.

December 31, 2025

  • Deadline to take required minimum distributions (RMDs) for 2025 tax year.
  • Last day to convert a Traditional IRA to a Roth IRA for 2025 tax year.
  • Deadline to sell non-qualified securities to realize a gain or loss for the 2025 tax year, for calendar year taxpayers.
  • Last day to make charitable gifts which may qualify for a federal income tax deduction on your 2025 return for calendar year taxpayers.

Because these are very important tax deadlines, please check with your financial institution and ask for their guidelines so that your transaction can be processed in time to meet the deadlines. In many cases, for example, for tax document mailing, individual tax return filing, IRA and Coverdell contributions and estimated tax payments, IRS deadlines are delayed to the next business day if they fall on a weekend or legal holiday.

A note for those affected by disaster situations

If you have been affected by a federally declared disaster, check IRS Tax Relief in Disaster Situations to see if any of these important tax filling dates have changed. In some situations, the IRS grants extensions and other tax relief to help those impacted by hurricanes, severe flooding, wildfires and other natural disasters.

 

related information

1040 tax calculator

Making the most of your IRA

Tax document mailing dates

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1Application for Automatic Extension of Time to File U.S. Individual Income Tax Return.
2The failure to pay penalty is generally .5% of the of the unpaid taxes, each month (or partial month) the payment remains unpaid, capped at a maximum of 25% of unpaid taxes, but can be more in certain circumstances. Additional penalties may apply if you substantially underpay your tax or fail to make sufficient estimated tax payments (if required).
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
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