BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//thresholds//Thresholds calendar//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:Thresholds — US deadlines 2026–27
X-WR-CALDESC:The limits\, cliffs\, rates and deadlines of US personal finan
 ce — computed\, dated\, sourced. Fixed and scheduled dates only\; plan-s
 pecific and not-yet-announced dates are left out on purpose.
X-WR-TIMEZONE:America/New_York
REFRESH-INTERVAL;VALUE=DURATION:P1W
BEGIN:VEVENT
UID:est-tax-2026-q1@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20260415
DTEND;VALUE=DATE:20260416
SUMMARY:Estimated tax — first installment for 2026
DESCRIPTION:Estimated tax — first installment for 2026\n\nApplies if you 
 pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-taxe
 s/due-dates/\n\nSource: https://www.irs.gov/pub/irs-pdf/f1040es.pdf
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — first installment for 2026
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2026-q2@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20260615
DTEND;VALUE=DATE:20260616
SUMMARY:Estimated tax — second installment for 2026
DESCRIPTION:Estimated tax — second installment for 2026\n\nApplies if you
  pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-tax
 es/due-dates/\n\nSource: https://www.irs.gov/pub/irs-pdf/f1040es.pdf
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — second installment for 2026
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2026-q3@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20260915
DTEND;VALUE=DATE:20260916
SUMMARY:Estimated tax — third installment for 2026
DESCRIPTION:Estimated tax — third installment for 2026\n\nApplies if you 
 pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-taxe
 s/due-dates/\n\nSource: https://www.irs.gov/pub/irs-pdf/f1040es.pdf
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — third installment for 2026
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:aca-oep-2027-opens@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20261101
DTEND;VALUE=DATE:20261102
SUMMARY:Marketplace open enrollment opens for 2027 coverage
DESCRIPTION:Marketplace open enrollment opens for 2027 coverage\n\nA court 
 vacated the shortened November 1 – December 15 window in June 2026\; HHS
  confirmed November 1 – January 15 in early August 2026. State-based exc
 hanges may differ.\n\nDetails: https://thresholds.pages.dev/health-insuran
 ce/open-enrollment/\n\nSource: https://www.healthcare.gov/quick-guide/date
 s-and-deadlines/
URL:https://thresholds.pages.dev/health-insurance/open-enrollment/
CATEGORIES:HEALTH
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Marketplace open enrollment opens for 2027 coverage
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:ibond-rate-2026-11@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20261101
DTEND;VALUE=DATE:20261102
SUMMARY:New I bond rates take effect (November 2026 – April 2027)
DESCRIPTION:New I bond rates take effect (November 2026 – April 2027)\n\n
 November 1\, 2026 is a Sunday. Treasury’s practice has been to post the 
 announcement on the next business day (Monday\, November 2) while the new 
 rates still take effect November 1.\n\nDetails: https://thresholds.pages.d
 ev/i-bonds/next-rate-announcement/\n\nSource: https://www.treasurydirect.g
 ov/savings-bonds/i-bonds/i-bonds-interest-rates/
URL:https://thresholds.pages.dev/i-bonds/next-rate-announcement/
CATEGORIES:IBONDS
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:New I bond rates take effect (November 2026 – April 2027)
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:hsa-last-month-rule-2026@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20261201
DTEND;VALUE=DATE:20261202
SUMMARY:HSA last-month rule test date for 2026
DESCRIPTION:HSA last-month rule test date for 2026\n\nApplies if you were n
 ot HDHP-covered all year.\n\nHDHP coverage on December 1\, 2026 (a Tuesday
 ) lets you contribute the full 2026 limit — and starts a testing period 
 through December 31\, 2027.\n\nDetails: https://thresholds.pages.dev/hsa/l
 ast-month-rule/\n\nSource: https://www.irs.gov/publications/p969
URL:https://thresholds.pages.dev/hsa/last-month-rule/
CATEGORIES:HSA
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:HSA last-month rule test date for 2026
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:aca-oep-2027-jan1-deadline@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20261215
DTEND;VALUE=DATE:20261216
SUMMARY:Last day to enroll for Marketplace coverage starting January 1\, 20
 27
DESCRIPTION:Last day to enroll for Marketplace coverage starting January 1\
 , 2027\n\nDetails: https://thresholds.pages.dev/health-insurance/open-enro
 llment/\n\nSource: https://www.healthcare.gov/quick-guide/dates-and-deadli
 nes/
URL:https://thresholds.pages.dev/health-insurance/open-enrollment/
CATEGORIES:HEALTH
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Last day to enroll for Marketplace coverage starting January 1\
 , 2027
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:aca-oep-2027-closes@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270115
DTEND;VALUE=DATE:20270116
SUMMARY:Marketplace open enrollment closes for 2027 coverage
DESCRIPTION:Marketplace open enrollment closes for 2027 coverage\n\nDetails
 : https://thresholds.pages.dev/health-insurance/open-enrollment/\n\nSource
 : https://www.healthcare.gov/quick-guide/dates-and-deadlines/
URL:https://thresholds.pages.dev/health-insurance/open-enrollment/
CATEGORIES:HEALTH
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Marketplace open enrollment closes for 2027 coverage
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2026-q4@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270115
DTEND;VALUE=DATE:20270116
SUMMARY:Estimated tax — fourth installment for 2026
DESCRIPTION:Estimated tax — fourth installment for 2026\n\nApplies if you
  pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-tax
 es/due-dates/\n\nSource: https://www.irs.gov/pub/irs-pdf/f1040es.pdf
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — fourth installment for 2026
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2026-q4-waiver@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270201
DTEND;VALUE=DATE:20270202
SUMMARY:File your 2026 return and pay in full — and the January 15 instal
 lment is not required
DESCRIPTION:File your 2026 return and pay in full — and the January 15 in
 stallment is not required\n\nApplies if you skipped the fourth installment
 .\n\nFebruary 1 rather than January 31 because January 31\, 2027 is a Sund
 ay.\n\nDetails: https://thresholds.pages.dev/estimated-taxes/due-dates/\n\
 nSource: https://www.irs.gov/pub/irs-pdf/f1040es.pdf
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:File your 2026 return and pay in full — and the January 15 in
 stallment is not required
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2027-q1@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Estimated tax — first installment for 2027
DESCRIPTION:Estimated tax — first installment for 2027\n\nApplies if you 
 pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-taxe
 s/due-dates/\n\nSource: https://www.irs.gov/forms-pubs/about-form-1040-es
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — first installment for 2027
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:federal-filing-2026@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Federal income tax return for 2026 due (or file for an extension)
DESCRIPTION:Federal income tax return for 2026 due (or file for an extensio
 n)\n\nApril 15\, 2027 is a Thursday. District of Columbia Emancipation Day
  falls on Friday April 16\, 2027\, so it does not push the deadline.\n\nDe
 tails: https://thresholds.pages.dev/estimated-taxes/\n\nSource: https://ww
 w.irs.gov/publications/p509
URL:https://thresholds.pages.dev/estimated-taxes/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Federal income tax return for 2026 due (or file for an extensio
 n)
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:hsa-contribution-deadline-2026@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Last day to make 2026 HSA contributions
DESCRIPTION:Last day to make 2026 HSA contributions\n\nThe unextended filin
 g deadline\, whether or not you file an extension.\n\nDetails: https://thr
 esholds.pages.dev/hsa/\n\nSource: https://www.irs.gov/publications/p969
URL:https://thresholds.pages.dev/hsa/
CATEGORIES:HSA
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Last day to make 2026 HSA contributions
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:ibond-rate-2027-05@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270501
DTEND;VALUE=DATE:20270502
SUMMARY:New I bond rates take effect (May – October 2027)
DESCRIPTION:New I bond rates take effect (May – October 2027)\n\nMay 1\, 
 2027 is a Saturday\; expect the posting on the next business day.\n\nDetai
 ls: https://thresholds.pages.dev/i-bonds/next-rate-announcement/\n\nSource
 : https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-ra
 tes/
URL:https://thresholds.pages.dev/i-bonds/next-rate-announcement/
CATEGORIES:IBONDS
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:New I bond rates take effect (May – October 2027)
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2027-q2@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270615
DTEND;VALUE=DATE:20270616
SUMMARY:Estimated tax — second installment for 2027
DESCRIPTION:Estimated tax — second installment for 2027\n\nApplies if you
  pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-tax
 es/due-dates/\n\nSource: https://www.irs.gov/forms-pubs/about-form-1040-es
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — second installment for 2027
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2027-q3@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20270915
DTEND;VALUE=DATE:20270916
SUMMARY:Estimated tax — third installment for 2027
DESCRIPTION:Estimated tax — third installment for 2027\n\nApplies if you 
 pay estimated tax.\n\nDetails: https://thresholds.pages.dev/estimated-taxe
 s/due-dates/\n\nSource: https://www.irs.gov/forms-pubs/about-form-1040-es
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — third installment for 2027
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:federal-filing-extension-2026@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20271015
DTEND;VALUE=DATE:20271016
SUMMARY:Extended federal income tax return for 2026 due
DESCRIPTION:Extended federal income tax return for 2026 due\n\nApplies if y
 ou filed an extension.\n\nDetails: https://thresholds.pages.dev/estimated-
 taxes/\n\nSource: https://www.irs.gov/publications/p509
URL:https://thresholds.pages.dev/estimated-taxes/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Extended federal income tax return for 2026 due
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:ibond-rate-2027-11@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20271101
DTEND;VALUE=DATE:20271102
SUMMARY:New I bond rates take effect (November 2027 – April 2028)
DESCRIPTION:New I bond rates take effect (November 2027 – April 2028)\n\n
 Details: https://thresholds.pages.dev/i-bonds/next-rate-announcement/\n\nS
 ource: https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-intere
 st-rates/
URL:https://thresholds.pages.dev/i-bonds/next-rate-announcement/
CATEGORIES:IBONDS
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:New I bond rates take effect (November 2027 – April 2028)
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:hsa-last-month-rule-2027@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20271201
DTEND;VALUE=DATE:20271202
SUMMARY:HSA last-month rule test date for 2027
DESCRIPTION:HSA last-month rule test date for 2027\n\nApplies if you were n
 ot HDHP-covered all year.\n\nDetails: https://thresholds.pages.dev/hsa/las
 t-month-rule/\n\nSource: https://www.irs.gov/publications/p969
URL:https://thresholds.pages.dev/hsa/last-month-rule/
CATEGORIES:HSA
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:HSA last-month rule test date for 2027
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:hsa-testing-period-end-2026@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20271231
DTEND;VALUE=DATE:20280101
SUMMARY:Testing period ends for a 2026 last-month-rule contribution
DESCRIPTION:Testing period ends for a 2026 last-month-rule contribution\n\n
 Applies if you used the last-month rule for 2026.\n\nStop being HSA-eligib
 le before this date and the extra contribution becomes income plus a 10 % 
 additional tax.\n\nDetails: https://thresholds.pages.dev/hsa/testing-perio
 d/\n\nSource: https://www.irs.gov/publications/p969
URL:https://thresholds.pages.dev/hsa/testing-period/
CATEGORIES:HSA
X-THRESHOLDS-CERTAINTY:fixed
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Testing period ends for a 2026 last-month-rule contribution
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:est-tax-2027-q4@thresholds
DTSTAMP:20260907T000000Z
DTSTART;VALUE=DATE:20280118
DTEND;VALUE=DATE:20280119
SUMMARY:Estimated tax — fourth installment for 2027
DESCRIPTION:Estimated tax — fourth installment for 2027\n\nApplies if you
  pay estimated tax.\n\nJanuary 15\, 2028 is a Saturday and Monday January 
 17 is Martin Luther King Jr. Day\, so the installment is due Tuesday Janua
 ry 18\, 2028.\n\nDetails: https://thresholds.pages.dev/estimated-taxes/due
 -dates/\n\nSource: https://www.irs.gov/forms-pubs/about-form-1040-es
URL:https://thresholds.pages.dev/estimated-taxes/due-dates/
CATEGORIES:TAX
X-THRESHOLDS-CERTAINTY:scheduled
TRANSP:TRANSPARENT
CLASS:PUBLIC
BEGIN:VALARM
ACTION:DISPLAY
TRIGGER:-P6DT15H
DESCRIPTION:Estimated tax — fourth installment for 2027
END:VALARM
END:VEVENT
END:VCALENDAR