US Business Day Calculator
Calculate business days in the United States with US federal holidays pre-selected. This calculator automatically excludes all 11 US federal holidays including Independence Day, Thanksgiving, Christmas, and more. Perfect for calculating invoice due dates, contract deadlines, court filing windows, and SLA obligations under US law or business practice. The holiday calendar is pre-configured; just enter your dates and get results instantly.
How US Business Days Are Defined
In the United States, business days are Monday through Friday, excluding the 11 federal public holidays established by 5 U.S.C. § 6103. These holidays apply to federal employees and financial institutions; private-sector observance varies by employer and contract. The Federal Reserve and most banks close on all 11 federal holidays, which affects wire transfer availability and ACH processing windows. When a holiday falls on Saturday, it is typically observed the preceding Friday; when it falls on Sunday, the following Monday.
US Federal Holidays
The 11 US federal holidays are:
- New Year's Day (January 1)
- Martin Luther King Jr. Day (3rd Monday in January)
- Presidents' Day / Washington's Birthday (3rd Monday in February)
- Memorial Day (last Monday in May)
- Juneteenth National Independence Day (June 19)
- Independence Day (July 4)
- Labor Day (1st Monday in September)
- Columbus Day (2nd Monday in October)
- Veterans Day (November 11)
- Thanksgiving Day (4th Thursday in November)
- Christmas Day (December 25)
State and local holidays, such as Tax Day in some states or regional observances, are not included in this calculator. How we determine holidays →
Common Use Cases in the US
Freelancers and agencies commonly use Net 30 and Net 60 payment terms measured in calendar days, though some service contracts specify business days, which represents a meaningful difference of up to two weeks. Legal deadlines under the Federal Rules of Civil Procedure are typically counted in calendar days for periods over 30 days and business days for shorter windows. SLA commitments in US government contracts (FAR-governed) usually specify business days explicitly.
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.