The full list (30 rows)
| Document | Keep for |
|---|---|
| Tax returns | Generally 3 years. 6 if you left out over 25% of income, 7 for bad debt or securities losses, no limit if never filed or fraudulent. Many people keep a copy for good. |
| W-2s, 1099s and tax records | At least 3 to 7 years, with the return they support. |
| Pay stubs | Until you check them against your W-2, then shred. |
| Bank statements | 1 year, or longer if they support taxes. |
| Credit card statements | 1 year, or longer if tax related. |
| ATM and deposit slips | Until you check your statement. |
| Utility bills | 1 year, or until you no longer need proof of address. |
| Rent receipts and your lease | For the lease term plus a few years. |
| Mortgage or home purchase documents | As long as you own the home, plus several years. |
| Home improvement receipts | As long as you own the home, then for the tax statute of limitations for the year you sell (generally 3 years). |
| Property tax records | At least 3 to 7 years. |
| Insurance policies | As long as they're active. |
| Insurance claims | Until the claim closes, plus a few years. |
| Car title and registration | As long as you own the car. |
| Car loan paperwork | Until paid off, plus 1 year. |
| Car repair records | While you own the car. |
| Medical bills and EOBs | 1 year after paid, and longer for tax claims. |
| Medical records | Keep key records for good. |
| Receipts for big purchases and warranties | As long as the warranty or ownership lasts. |
| Investment and retirement statements | Keep yearly summaries and cost-basis records while the account is open, then for the statute of limitations after you sell or close it. |
| Student loan documents | Until paid off, plus several years. |
| Birth, marriage and death certificates | Keep for good. |
| Social Security card | Keep for good, stored safely. |
| Passports and IDs | Keep while valid and store safely. |
| Wills and powers of attorney | Keep for good, with updated copies. |
| Military records | Keep for good. |
| Divorce and custody documents | Keep for good. |
| Employment records and contracts | As long as you work there, plus a few years. |
| Tax-deductible donation receipts | 3 to 7 years, with the return. |
| Credit reports | Until you pull the next one. |
General guidance, not legal or tax advice. Rules and needs vary. Check with a tax professional for your situation.
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