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Business Day Calculator

Mexico Business Day Calculator

Calculate días hábiles in Mexico with the seven mandatory holidays from Article 74 of the Ley Federal del Trabajo preselected, including the 2006 Monday-observance reform for Día de la Constitución, Natalicio de Benito Juárez, and Día de la Revolución. Use it for SAT and CFDI deadlines, IMSS contribution windows, Banxico payment settlement, and any commercial obligation measured in días hábiles mexicanos.

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How Mexican business days are defined

Mexican law distinguishes días hábiles from días naturales. Días hábiles are Monday through Friday minus the seven días de descanso obligatorio in Article 74 LFT, and minus the three reformed dates that shift to a designated Monday. Días naturales count all seven days. SAT, IMSS, INFONAVIT, and most commercial contracts run on días hábiles unless explicitly stated otherwise. Article 81 CFF puts the burden on the taxpayer to make a deadline that lands on a non-business day, with the next día hábil as the fallback.

Banxico maintains a separate calendar for días hábiles bancarios that adds bank-only closures around the year-end. This calculator uses the Article 74 set, which is the conservative national baseline. If your scenario hinges on SPEI being closed for an extra bank-only day, add the date under Advanced options.

Mexican mandatory holidays under Article 74 LFT

The seven días de descanso obligatorio:

  • Año Nuevo (1 January)
  • Día de la Constitución (1st Monday of February, in lieu of 5 February)
  • Natalicio de Benito Juárez (3rd Monday of March, in lieu of 21 March)
  • Día del Trabajo (1 May)
  • Día de la Independencia (16 September)
  • Día de la Revolución (3rd Monday of November, in lieu of 20 November)
  • Navidad (25 December)

Article 74 also designates 1 December as a holiday every six years for the presidential transmission of power. This applied in 2024 and will next apply in 2030, so it appears once in the holiday data set used by the calculator. How we determine holidays →

Common use cases in Mexico

SAT provisional ISR and DIOT returns are due by the 17th of the following month under Article 31 CFF, with an automatic shift to the next día hábil if the 17th lands on a weekend or Article 74 holiday. IMSS bimonthly cuotas are due by the 17th of the month following the bimester. INFONAVIT contributions follow the same convention. Commercial payment terms in CFDI-driven invoices typically run in días naturales, but the actual SPEI transfer settles on días hábiles bancarios.

Civil and labour litigation under the Federal Code of Civil Procedure and the LFT itself counts in días hábiles judiciales, which excludes the Article 74 set plus the court vacation period in mid-July and the second half of December. The court vacation calendar is published annually by the Consejo de la Judicatura Federal and is not part of this calculator. For commercial arbitration under the Código de Comercio, parties typically default to días hábiles bancarios in the seat city, which usually means Mexico City and the Article 74 holidays this calculator implements.

For informational purposes only

This calculator provides general estimates based on business day counting rules. It does not constitute legal advice. Deadlines in legal, regulatory, or contractual matters may be subject to jurisdiction-specific rules, court orders, or statutory exceptions. Always verify critical deadlines with a qualified professional.

Frequently Asked Questions

What are the mandatory public holidays under the LFT?
Article 74 of the Ley Federal del Trabajo lists seven días de descanso obligatorio: 1 January (Año Nuevo), the first Monday of February in lieu of 5 February (Día de la Constitución), the third Monday of March in lieu of 21 March (Natalicio de Benito Juárez), 1 May (Día del Trabajo), 16 September (Día de la Independencia), the third Monday of November in lieu of 20 November (Día de la Revolución), and 25 December (Navidad). Article 74 also names 1 December every six years for the presidential transmission of power, which applied in 2024 and will next apply in 2030.
Why are Mother's Day and Day of the Dead not in the calculator?
Día de las Madres on 10 May, Día de Muertos on 1 to 2 November, Christmas Eve, and New Year's Eve are not días de descanso obligatorio under Article 74 LFT. They are días feriados culturales or, in the case of bank holidays, set by the Comisión Nacional Bancaria y de Valores rather than the Ministerio del Trabajo. Many employers grant time off, but the time off is contractual or by collective agreement, not statutory. The calculator sticks to Article 74 to give a uniform, conservative count that works whether your scenario is HR, banking, or a commercial deadline.
What is the difference between días hábiles and días naturales?
Días naturales count every day of the calendar including weekends and holidays. Días hábiles count Monday through Friday, excluding the Article 74 holidays. SAT tax filings, IMSS social security calculations, and most commercial contracts default to días hábiles unless the clause says otherwise, while Banxico's Sistema de Pagos Electrónicos uses días hábiles bancarios. Civil procedure under the Código Federal de Procedimientos Civiles counts in días hábiles judiciales, which excludes the same Article 74 set plus court vacation periods that are not in this calculator. Verify your specific deadline against the relevant code if it crosses a court vacation window.
How does Mexico's Monday-observance reform from 2006 work?
A 2006 amendment to Article 74 moved three holidays to a fixed Monday rather than their original calendar date. Día de la Constitución, originally 5 February, is now observed on the first Monday of February. Natalicio de Benito Juárez, originally 21 March, is now observed on the third Monday of March. Día de la Revolución, originally 20 November, is now observed on the third Monday of November. The other Article 74 holidays, including Independence Day on 16 September, are still anchored to their original dates and do not shift if they land on a weekend.
How do CFDI invoices and SAT deadlines interact with business days?
CFDI 4.0 issuance is calendar-day driven: an invoice must be timbrado by the supplier's PAC before the goods or service is delivered. The downstream payment deadline, however, is usually expressed in días naturales in commercial contracts, with a fallback to the next día hábil if it lands on a weekend or Article 74 holiday. SAT monthly DIOT and provisional ISR returns are due by the 17th of the following month under Article 31 CFF, with an automatic extension to the next día hábil when the 17th falls on a non-business day. Use this calculator with the Net 30 mode to verify the exact business-day fallback for an invoice payable in calendar days that ends on a Mexican holiday.

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