The common phrase up to date is hyphenated when it precedes the noun it modifies—for example:
Having an up-to-date inventory of the contents of your home can help speed the payment of an insurance claim. [Chicago Tribune]
The highest-rated services have up-to-date guides that explain the options and filter tools to help identify appropriate funds. [Financial Times]
When the phrase functions as a predicate adjective coming after what it modifies, it is not hyphenated—for example:
I take it to mean that your emergency preparedness plans should be up to date. [Wired]
But now you’ve got a fully functional Ubuntu system, with everything up to date from the get-go. [Lifehacker]
And when up to date functions adverbially, it does not need to be hyphenated—for example:
Keeping up to date on the barrage of medical information available online can be daunting. [Globe and Mail]
Sure, there’s paperwork, but more importantly, you must stay up to date with the laws. [News.com.au]
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