US Business Day Calculator
Last reviewed: October 14, 2026 · Holiday data: July 20, 2026
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. Use it for invoice due dates, contract deadlines and SLA windows stated in business days. Periods under the Federal Rules of Civil Procedure are different: Rule 6(a)(1)(B) counts every day, intermediate Saturdays, Sundays and legal holidays included, so count those in calendar days. The holiday calendar is pre-configured; just enter your dates and get results instantly.
How US Business Days Are Defined
This calculator counts Monday through Friday as US business days and leaves out the 11 legal public holidays listed in 5 U.S.C. § 6103(a). The Office of Personnel Management describes section 6103 as the law that specifies holidays for federal employees. The Federal Reserve Banks, which provide the Fedwire Funds Service, observe the same 11 holidays, and the Fedwire business day runs Monday through Friday, excluding designated holidays. Weekend holidays are where the two calendars part. When a holiday falls on a Sunday, section 3(a) of Executive Order 11582 excuses federal employees whose basic workweek does not include Sunday from work on the next workday of that workweek, which is the Monday on a Monday-to-Friday week. This calculator counts that Monday as a holiday, and the Federal Reserve Banks close on it too. When a holiday falls on a Saturday, 5 U.S.C. § 6103(b) makes the Friday before it the legal public holiday for federal employees whose basic workweek is Monday through Friday. This calculator counts that Friday as a holiday, but the Federal Reserve Banks stay open on it.
Federal Reserve and FedACH counts around Saturday holidays
This calendar counts each federal holiday on the day federal employees have it. When a holiday falls on a Saturday, 5 U.S.C. 6103(b) makes the Friday before it the legal public holiday for employees whose basic workweek is Monday through Friday (the Office of Personnel Management says the same of most federal employees, for pay and leave purposes), so this calendar leaves that Friday out. The Federal Reserve Banks are open that Friday. A count on the Reserve Banks' schedule, which the same page sets out for FedACH, therefore has one more business day across one of those Fridays than this calendar shows.
Fridays this affects, 2024-2028:
- Friday, July 3, 2026 (Independence Day falls on Saturday, July 4, 2026)
- Friday, June 18, 2027 (Juneteenth falls on Saturday, June 19, 2027)
- Friday, December 24, 2027 (Christmas Day falls on Saturday, December 25, 2027)
- Friday, December 31, 2027 (New Year's Day 2028 falls on Saturday, January 1, 2028)
- Friday, November 10, 2028 (Veterans Day falls on Saturday, November 11, 2028)
Sources: U.S. Government Publishing Office (govinfo), 5 U.S.C. 6103(b); U.S. Office of Personnel Management, Federal Holidays; Federal Reserve Financial Services, Holiday Schedules. Checked October 12, 2026. All sources
Sources for these rules
- 5 U.S.C. 6103: the legal public holidays, and (b) the Friday before a Saturday holiday (U.S. Government Publishing Office (govinfo))
- Federal Holidays: a Saturday holiday is observed on the preceding Friday (5 U.S.C. 6103(b)), a Sunday holiday on the following Monday (E.O. 11582, section 3(a)) (U.S. Office of Personnel Management)
- Federal Reserve Bank holidays: Reserve Banks open on the Friday before a Saturday holiday (Board of Governors of the Federal Reserve System)
- Fedwire Funds Services (Board of Governors of the Federal Reserve System)
Checked October 11, 2026. All sources
US Federal Holidays
The 11 legal public holidays in 5 U.S.C. § 6103(a), under the names the statute gives them:
- New Year's Day (January 1)
- Birthday of Martin Luther King, Jr. (3rd Monday in January), labeled Martin Luther King Jr. Day in this calculator
- Washington's Birthday (3rd Monday in February), labeled Presidents' Day in this calculator
- 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 Patriot's Day in Maine (the 3rd Monday in April in that state's list of legal holidays), are not included in this calculator. How we determine holidays →
Sources for these rules
- 5 U.S.C. 6103: the legal public holidays, and (b) the Friday before a Saturday holiday (U.S. Government Publishing Office (govinfo))
- Federal Holidays: a Saturday holiday is observed on the preceding Friday (5 U.S.C. 6103(b)), a Sunday holiday on the following Monday (E.O. 11582, section 3(a)) (U.S. Office of Personnel Management)
- 4 M.R.S. § 1051, Legal holidays: Patriot's Day, the 3rd Monday in April (Maine State Legislature)
Checked October 11, 2026. All sources
Common Use Cases in the US
A payment term such as Net 30 comes out differently in business days: counted from a weekday, 30 business days cover six full weeks, which is 42 calendar days, and more when a federal holiday falls inside them. The Net 30/60/90 tab above counts calendar days until you switch it to business days. Periods under the Federal Rules of Civil Procedure are not counted in business days at all. Rule 6(a)(1) excludes the day of the event that triggers the period and counts every day after it, including intermediate Saturdays, Sundays and legal holidays; when the last day is a Saturday, Sunday or legal holiday, the period runs to the end of the next day that is none of those. Federal contracts under the FAR count in calendar days too, because FAR 2.101 defines a day as a calendar day unless otherwise specified. For an invoice payment, FAR 32.904(b)(1) sets the due date at the later of the 30th day after the designated billing office receives a proper invoice and the 30th day after government acceptance of the supplies or services. Paragraphs (c) through (f) of the same section set other dates for architect-engineer, construction, cost-reimbursement service and food contracts.
Sources for these rules
- Federal Rules of Civil Procedure, Rule 6(a)(1)(B): count every day (Administrative Office of the U.S. Courts)
- FAR 32.904, Determining payment due dates (U.S. General Services Administration)
- FAR 2.101, Definitions: day means, unless otherwise specified, a calendar day (U.S. General Services Administration)
Checked October 11, 2026. All sources
Sources and verification
Official source: U.S. Office of Personnel Management (opm.gov) (opens in a new tab)
Cross-checked against this source on July 20, 2026.
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 US federal holidays?
How many business days are in a US work year?
Does the calculator include state holidays?
When is Thanksgiving in the US?
Does the Federal Reserve observe all federal holidays?
Sources for these rules
- Federal Holidays: a Saturday holiday is observed on the preceding Friday (5 U.S.C. 6103(b)), a Sunday holiday on the following Monday (E.O. 11582, section 3(a)) (U.S. Office of Personnel Management)
- 5 U.S.C. 6103: the legal public holidays, and (b) the Friday before a Saturday holiday (U.S. Government Publishing Office (govinfo))
- Federal Reserve Bank holidays: Reserve Banks open on the Friday before a Saturday holiday (Board of Governors of the Federal Reserve System)
- Fedwire Funds Services (Board of Governors of the Federal Reserve System)
- 4 M.R.S. § 1051, Legal holidays: Patriot's Day, the 3rd Monday in April (Maine State Legislature)
- Government Code § 19853 (California Legislative Information)
- Government Code § 6700 (California Legislative Information)
- Notice of 30 March 2026 on Government Code section 6700 (Farmworkers Day, Diwali) (California Department of Industrial Relations)
Checked October 11, 2026. All sources
United States business days by month
Working-day counts, calendar grids, and US federal holidays for each of the next 13 months.