Business Days Calculator
Calculate the number of business (working) days between two dates.
Add or subtract business days from a date and account for weekends and holidays.
What Is a Business Day?
A business day is any day on which normal business operations are conducted. In most countries this means Monday through Friday, excluding public holidays. Saturdays and Sundays are universally excluded. The specific holidays excluded vary by country, industry, and even individual company policy.
US Federal Holidays (2024–2025)
The United States has 11 federal public holidays:
- New Year’s Day — January 1
- Martin Luther King Jr. Day — 3rd Monday in January
- Presidents Day — 3rd Monday in February
- Memorial Day — Last Monday in May
- Juneteenth — June 19
- Independence Day — July 4
- Labor Day — 1st Monday in September
- Columbus Day — 2nd Monday in October
- Veterans Day — November 11
- Thanksgiving — 4th Thursday in November
- Christmas Day — December 25
When a holiday falls on Saturday, it is typically observed on Friday. When it falls on Sunday, it is observed on Monday.
Industry Variations
Not all sectors observe the same days:
- Stock markets (NYSE): Open Monday–Friday, closed on 9 specific holidays per year.
- Banks: Follow Federal Reserve holidays (similar to federal holidays).
- Financial markets — settlement dates: The “T+1” and “T+2” settlement rules add 1 or 2 business days to trade execution dates.
- Courts and legal deadlines: Many legal filing deadlines specify business days. When a deadline falls on a weekend or holiday, it typically moves to the next business day.
- International business: Adds complexity — a US company and a UK partner have different holiday calendars.
Legal and Contract Deadlines
In contract law, when a deadline is stated in business days, count only working days (weekdays minus holidays). If the final day falls on a non-business day, the deadline is extended to the next business day. Always specify the jurisdiction and holiday calendar when writing contracts with business day deadlines to avoid ambiguity.
Financial Market Settlement
T+1 settlement (since May 2024 in the US): Stocks settle one business day after the trade date. If you sell stock on Friday, settlement is Monday (or Tuesday if Monday is a holiday).
T+2 is still used for some instruments including bonds and mutual funds. The settlement date determines when ownership officially transfers and funds clear.