WSJ.com : Personal Finance

The latest personal finance news, analysis and insights, covering retirement, how to manage your savings, tax guidance and more.


‘Trump Accounts’ for Kids Come With $1,000—and Tax Complications

Wed, 28 Jan 2026 17:56:00 GMT

The details of these IRAs for youngsters are becoming clearer.

By: Ashlea Ebeling, Richard Rubin

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What to Know if You Still Want Your Tax Refund as a Paper Check

Tue, 27 Jan 2026 19:38:00 GMT

Bigger refunds are in store this year, but those who want checks will have to wait much longer.

By: Ashlea Ebeling

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Health Insurance Is Now More Expensive Than the Mortgage for These Americans

Mon, 26 Jan 2026 10:30:00 GMT

Monthly health-insurance bills are rocketing higher for middle-income earners who rely on Obamacare.

By: Rachel Louise Ensign

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The New Tax Rules That Can Get You a Bigger Refund This Year

Mon, 26 Jan 2026 10:30:00 GMT

What to know about the increased SALT deduction, the new tax break for seniors and other provisions that kick in for your next return.

By: Ashlea Ebeling, Richard Rubin

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Why It Pays to Check Your Tax Withholding This Year

Sun, 25 Jan 2026 00:00:00 GMT

Millions of Americans would benefit from changing their tax withholding for 2026.

By: Ashlea Ebeling

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WSJ Subscribers, Tell Us: What Would You Ask a Mega-Millionaire About Money?

Fri, 23 Jan 2026 17:31:00 GMT

Your burning questions about money, investing and entrepreneurship could be answered by our high-profile interview subjects

By: Gunjan Banerji

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The Medicare Charge That’s Taking a Bigger Bite Out of Social Security Checks

Fri, 23 Jan 2026 10:30:00 GMT

Nearly six million seniors owe extra Medicare premiums called Irmaa, and these charges are set to rise.

By: Laura Saunders

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Three Tax Resolutions to Protect Your Income in 2026

Fri, 26 Dec 2025 10:30:00 GMT

Here’s how to avoid rampant confusion about MAGI, tax-free Roth IRA withdrawals and charitable donations using IRA funds.

By: Laura Saunders

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Don’t Overlook These Little-Known Ways to Cut Your 2025 Taxes

Fri, 12 Dec 2025 10:30:00 GMT

The megabill offers many ways other than SALT deductions and charitable donations to lower your 2025 tax bill.

By: Laura Saunders

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Lower Your Taxes With These Five Often-Missed Credits

Sun, 07 Dec 2025 15:00:00 GMT

Taxpayers miss billions of dollars in credits for retirement savings contributions, lifetime learning costs and more.

By: Lori Ioannou

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Three Year-End Strategies That Can Cut Your 2025 Tax Bill

Wed, 03 Dec 2025 17:00:00 GMT

The rules for deductions on charitable donations are changing, but taxpayers who itemize can still benefit by acting before Dec. 31.

By: Robyn A. Friedman

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Older Americans Making Catch-Up 401(k) Contributions Set for Tax Hit

Sun, 11 Jan 2026 03:00:00 GMT

A new rule requires many workers 50 and older to put extra savings into a Roth account.

By: Anne Tergesen

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Should It Be Easier to Buy Annuities in Retirement Plans? Readers Had Doubts

Sat, 03 Jan 2026 15:00:00 GMT

A recent WSJ article recommended that annuities be a default option in retirement plans. The author responds to readers’ questions and concerns.

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I Tried Answering a Big Unknown in Retirement Planning: How Long Will I Live?

Sun, 28 Dec 2025 02:00:00 GMT

Longevity calculators can give more-personalized estimates on how many years your savings may need to last.

By: Anne Tergesen

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401(k)s Are Minting a Generation of ‘Moderate Millionaires’

Mon, 08 Dec 2025 10:30:00 GMT

Many Americans are peeking at their retirement accounts and cheering higher balances.

By: Gunjan Banerji

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The Clock Is Ticking for IRA Inheritors to Take Distributions

Sun, 07 Dec 2025 02:00:00 GMT

After years of delays, the Internal Revenue Service is enforcing annual payouts on certain accounts this year.

By: Ashlea Ebeling

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How Trump’s Cap on Credit-Card Rates Would Reshape the Rewards World

Tue, 13 Jan 2026 17:00:00 GMT

The president’s proposed limit could intensify competition for premium-card holders.

By: Imani Moise

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What 10% Credit-Card Rate Cap Would Mean for Your Wallet

Mon, 12 Jan 2026 13:40:00 GMT

President Trump’s call for a cap promises to save Americans billions in interest but also can lead to tightened access to credit.

By: Veronica Dagher

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New Debit Cards Have an Unexpected Feature: Rewards

Fri, 05 Dec 2025 17:00:00 GMT

A new crop of cards come with cash back, miles and airport-lounge access.

By: Imani Moise

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Block to Show Its Version of Credit Scores to Cash App, Afterpay Users

Wed, 19 Nov 2025 19:11:00 GMT

The company doesn’t share its consumer data with the traditional credit-reporting system.

By: Imani Moise

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Using Your Credit Card at the Checkout Is Set to Get a Lot More Complicated

Tue, 11 Nov 2025 10:30:00 GMT

A settlement between Visa, Mastercard and merchants could usher in a new era of tiered pricing at the register.

By: Imani Moise

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Financial Discipline Is an Easy Resolution to Make, but a Hard One to Keep

Tue, 30 Dec 2025 18:00:00 GMT

We all say we want to save more and spend less. The key is to think more broadly.

By: Annabelle Williams

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He Works Full Time and Goes to College. Is He Saving Enough?

Tue, 14 Oct 2025 16:00:00 GMT

Will West wants to get a master’s degree and then own a house within 10 years. A financial adviser weighs in.

By: Lisa Ward

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The One Day a Year I Spend a Lot of Money

Sat, 04 Jan 2025 13:00:00 GMT

I keep a tight rein on my spending throughout the year. But for my birthday, I focus on what I want, not just what I need.

By: Cordilia James

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Money Moves for the New Year: Setting and Keeping Your Personal-Finance Goals

Fri, 27 Dec 2024 08:21:00 GMT

A four-part podcast series that answers listeners’ questions about achieving their financial goals for 2025.

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So Many Friends and Family. I Can’t Afford Gifts for All of Them.

Fri, 06 Dec 2024 15:00:00 GMT

I can’t give something to everybody in my life. The trick is narrowing down the list—and keeping it all on budget.

By: Jessica Chou

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Will a 50-Year Mortgage Make Homes More Affordable? Here’s How It Would Work.

Mon, 10 Nov 2025 20:14:00 GMT

A mortgage this long would reduce a home buyer’s monthly payments, but the interest owed would be much higher.

By: Rebecca Picciotto, Nicole Friedman

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Mortgage Refinancing Starts to Thaw as Rates Trend Down

Sun, 31 Aug 2025 01:00:00 GMT

With the average 30-year fixed mortgage rate at a 10-month low, homeowners with high-rate mortgages are starting to get excited about refinancing

By: Ben Eisen, Veronica Dagher

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What Happens When Your House Burns Down and You Still Have a Mortgage?

Thu, 16 Jan 2025 19:08:00 GMT

Borrowers are still on the hook but might be able to pause payments.

By: Gina Heeb, Ben Eisen

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Rent or Buy? How Falling Mortgage Rates Change the Math

Sun, 29 Sep 2024 01:00:00 GMT

Rents remain high, but not as high as mortgage payments.

By: Veronica Dagher

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Should You Refinance Your Mortgage? The Fed’s Big Cut Changed the Math

Thu, 19 Sep 2024 16:37:00 GMT

Millions can potentially save money by refinancing, but many are waiting for rates to drop further.

By: Veronica Dagher

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