Workday calculator
Business Days Calculator
Count business days between two dates, exclude weekends and optional US federal holidays, then export the result as CSV or ICS.
Configure date range
Choose start/end dates, apply quick range presets, and adjust boundary rules.
250 days
68.5% working
365 days
52.1 weeks
104 days
Sat & Sun
11 days
US Federal
- New Year's Day: 2026-01-01
- Martin Luther King Jr. Day: 2026-01-19
- Washington's Birthday: 2026-02-16
- Memorial Day: 2026-05-25
- Juneteenth National Independence Day: 2026-06-19
- Independence Day: 2026-07-03
- Labor Day: 2026-09-07
- Columbus Day: 2026-10-12
- Veterans Day: 2026-11-11
- Thanksgiving Day: 2026-11-26
- Christmas Day: 2026-12-25
First 20 business days in range
This preview shows only the first 20 matching dates. Download CSV or ICS for the full range.
| Date | Type |
|---|---|
| 2026-01-02 | Business day |
| 2026-01-05 | Business day |
| 2026-01-06 | Business day |
| 2026-01-07 | Business day |
| 2026-01-08 | Business day |
| 2026-01-09 | Business day |
| 2026-01-12 | Business day |
| 2026-01-13 | Business day |
| 2026-01-14 | Business day |
| 2026-01-15 | Business day |
| 2026-01-16 | Business day |
| 2026-01-20 | Business day |
| 2026-01-21 | Business day |
| 2026-01-22 | Business day |
| 2026-01-23 | Business day |
| 2026-01-26 | Business day |
| 2026-01-27 | Business day |
| 2026-01-28 | Business day |
| 2026-01-29 | Business day |
| 2026-01-30 | Business day |
Business days by month
Use this summary to quickly verify full-year coverage.
| Month | Business days |
|---|---|
| 2026-01 | 20 |
| 2026-02 | 19 |
| 2026-03 | 22 |
| 2026-04 | 22 |
| 2026-05 | 20 |
| 2026-06 | 21 |
| 2026-07 | 22 |
| 2026-08 | 21 |
| 2026-09 | 21 |
| 2026-10 | 21 |
| 2026-11 | 19 |
| 2026-12 | 22 |
How Business Days Are Calculated: The Standard Framework
A standard business day (also called a banking day or working day) refers to any official working day that falls between Monday and Friday, excluding recognized public and federal holidays. Unlike regular calendar days, business days represent days on which commercial banks, stock exchanges, corporate offices, and government agencies operate normal financial and legal business hours.
1. The "In Lieu Of" Holiday Observation Rule
Under United States Federal Law (5 U.S.C. 6103), when a fixed-date federal holiday falls on a weekend, non-operating administrative rules shift the observed holiday to an adjacent weekday:
- Saturday Holidays: Observed on the preceding Friday (e.g., Independence Day 2026 on Saturday, July 4 is observed on Friday, July 3).
- Sunday Holidays: Observed on the following Monday (e.g., Independence Day 2027 on Sunday, July 4 is observed on Monday, July 5).
2. Business Days vs. Calendar Days
Understanding the distinction is vital for commercial contracts, real estate escrows, and logistics:
- Calendar Days: Every sequential day from Monday through Sunday (365 days in a standard year, 366 in leap years).
- Business Days: Mon–Fri only, excluding federal non-clearing days (typically 250 to 251 net days annually).
- Banking Settlement: ACH payments and wire transfers pause on non-business days, extending clearance windows by 24–72 hours.
US Federal Holidays Reference Table (2026 & 2027)
The table below displays all 11 official United States federal statutory holidays recognized by the Office of Personnel Management (OPM) and the Federal Reserve System for 2026 and 2027.
| Federal Holiday | Standard Rule / Date | 2026 Observed Date | 2027 Observed Date | Bank Status |
|---|---|---|---|---|
| New Year's Day | January 1 | Thu, Jan 1, 2026 | Fri, Jan 1, 2027 | Closed |
| Martin Luther King Jr. Day | Third Monday in January | Mon, Jan 19, 2026 | Mon, Jan 18, 2027 | Closed |
| Washington's Birthday (Presidents' Day) | Third Monday in February | Mon, Feb 16, 2026 | Mon, Feb 15, 2027 | Closed |
| Memorial Day | Last Monday in May | Mon, May 25, 2026 | Mon, May 31, 2027 | Closed |
| Juneteenth National Independence Day | June 19 | Fri, Jun 19, 2026 | Fri, Jun 18, 2027 (Obs.) | Closed |
| Independence Day | July 4 | Fri, Jul 3, 2026 (Obs.) | Mon, Jul 5, 2027 (Obs.) | Closed |
| Labor Day | First Monday in September | Mon, Sep 7, 2026 | Mon, Sep 6, 2027 | Closed |
| Columbus Day | Second Monday in October | Mon, Oct 12, 2026 | Mon, Oct 11, 2027 | Closed |
| Veterans Day | November 11 | Wed, Nov 11, 2026 | Thu, Nov 11, 2027 | Closed |
| Thanksgiving Day | Fourth Thursday in November | Thu, Nov 26, 2026 | Thu, Nov 25, 2027 | Closed |
| Christmas Day | December 25 | Fri, Dec 25, 2026 | Fri, Dec 24, 2027 (Obs.) | Closed |
Key Use Cases for Calculating Business Days
Legal Deadlines & Court Filings
Civil procedural rules count business days when serving responses, filings, and formal legal notices.
Supply Chain & Shipping SLAs
Carrier express shipping (2-day, 5-day ground) calculates transit times strictly based on working days.
Payroll & Banking Settlement
ACH direct deposit originations require 1 to 2 banking business days before payday funding.
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