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Free banking-day calculator

Business-day math on the Fed, TARGET2 and UK calendars, holidays included.

Is it a banking day? What is the next one, or the date five business days out? How many business days between two dates? Pick a calendar and get the answer, with the holidays it skipped.

  • Instant, in your browser
  • Fed Saturday rule built in
  • Download holidays as .ics
  • REST + MCP

Business-day mathWeekends and the calendar’s holidays are skipped

0 to 2,000

Answer

Friday, November 6, 2026

2026-11-06

5 business days after Friday, October 30, 2026 is Friday, November 6, 2026 (US Fed).

Use it from codeSame answer over REST or MCP · no key

API docs
REST · GET
curl -s 'https://payopskit.com/api/v1/business-days?calendar=us-fed&op=add&date=2026-10-30&n=5'

Holidays by year10 closed weekdays in 2026

US Federal Reserve (FedACH, Fedwire) holidays in 2026
Closed onHoliday
Thursday, January 1, 2026New Year's Day
Monday, January 19, 2026Birthday of Martin Luther King, Jr.
Monday, February 16, 2026Washington's Birthday
Monday, May 25, 2026Memorial Day
Friday, June 19, 2026Juneteenth National Independence Day
Monday, September 7, 2026Labor Day
Monday, October 12, 2026Columbus Day
Wednesday, November 11, 2026Veterans Day
Thursday, November 26, 2026Thanksgiving Day
Friday, December 25, 2026Christmas Day
Saturday, July 4, 2026Independence DayNot observedFalls on a Saturday: the Federal Reserve Banks are open the Friday before (Friday, July 3, 2026) and close on no other day for it.
  • Unscheduled closings announced by the Federal Reserve (such as a national day of mourning) are not included.
  • Juneteenth became a Federal Reserve holiday in 2022; it is not a holiday here in earlier years.

Use it from codeSame answer over REST or MCP · no key

API docs
REST · GET
curl -s 'https://payopskit.com/api/v1/holidays?calendar=us-fed&year=2026'

The Federal Reserve’s Saturday rule

Fixed-date holidays that land on a weekend are where calendars disagree. The Federal Reserve Banks close the Monday after a Sunday holiday, but stay open the Friday before a Saturday holiday — so FedACH and Fedwire settle that Friday even though many businesses are closed.

Federal Reserve holidays on a weekend, 2026 to 2028
Holiday falls onHolidayFederal Reserve Banks
Saturday, July 4, 2026Independence DayFalls on a Saturday: the Federal Reserve Banks are open the Friday before (Friday, July 3, 2026) and close on no other day for it.
Saturday, June 19, 2027Juneteenth National Independence DayFalls on a Saturday: the Federal Reserve Banks are open the Friday before (Friday, June 18, 2027) and close on no other day for it.
Sunday, July 4, 2027Independence Day (observed)Closed Monday, July 5, 2027 (the Monday after)
Saturday, December 25, 2027Christmas DayFalls on a Saturday: the Federal Reserve Banks are open the Friday before (Friday, December 24, 2027) and close on no other day for it.
Saturday, January 1, 2028New Year's DayFalls on a Saturday: the Federal Reserve Banks are open the Friday before (Friday, December 31, 2027) and close on no other day for it.
Saturday, November 11, 2028Veterans DayFalls on a Saturday: the Federal Reserve Banks are open the Friday before (Friday, November 10, 2028) and close on no other day for it.

How each calendar is computed

Holidays are computed by rule for every year in range, not looked up, so the answer is the same in the browser, over REST and over MCP.

us-fed · 1990–2099

US Federal Reserve (FedACH, Fedwire)

Federal Reserve Bank holidays: the days FedACH and Fedwire do not settle, and the banking days the Nacha Operating Rules count.

  • Weekends are not business days.
  • New Year's Day (Jan 1), Juneteenth (Jun 19, from 2022), Independence Day (Jul 4), Veterans Day (Nov 11) and Christmas Day (Dec 25) are fixed-date holidays.
  • Birthday of Martin Luther King, Jr. (3rd Monday of January), Washington’s Birthday (3rd Monday of February), Memorial Day (last Monday of May), Labor Day (1st Monday of September), Columbus Day (2nd Monday of October) and Thanksgiving Day (4th Thursday of November).
  • A fixed-date holiday on a Sunday is observed the following Monday.
  • A fixed-date holiday on a Saturday is not observed: the Reserve Banks are open the Friday before.

What it can’t know

  • Unscheduled closings announced by the Federal Reserve (such as a national day of mourning) are not included.
  • Juneteenth became a Federal Reserve holiday in 2022; it is not a holiday here in earlier years.

target2 · 2002–2099

TARGET (T2) closing days, euro area

Days the Eurosystem’s TARGET (T2) settlement system is closed. SEPA credit transfers and direct debits do not settle on them.

  • Weekends are not business days.
  • Closing days: New Year's Day (Jan 1), Good Friday, Easter Monday, Labour Day (May 1), Christmas Day (Dec 25) and Dec 26.
  • A closing day that falls on a weekend has no substitute day.

What it can’t know

  • TARGET2 replaced TARGET in 2007 and was itself replaced by T2 in March 2023; the closing days have been the same since 2002.
  • National holidays can still close banks and markets in a euro-area country on a TARGET business day.

uk-ew · 1995–2099

UK bank holidays (England and Wales)

Bank holidays in England and Wales: the non-working days of UK payment systems such as Bacs and CHAPS.

  • Weekends are not business days.
  • New Year's Day (a substitute Monday when it falls on a weekend), Good Friday, Easter Monday, early May bank holiday (1st Monday of May), spring bank holiday (last Monday of May), summer bank holiday (last Monday of August).
  • Christmas Day and Boxing Day, with substitute weekdays when either falls on a weekend.
  • One-off bank holidays and moved dates proclaimed since 1995 are included.

What it can’t know

  • One-off bank holidays are proclaimed by the monarch and cannot be computed in advance; check gov.uk/bank-holidays for years ahead.
  • Scotland and Northern Ireland have different bank holidays.

What each operation means

Is it a business day?
A weekday that is not one of the calendar’s holidays. A holiday on a weekend reports “weekend”.
Next / previous
The first business day strictly after (or before) the date, whatever the date itself is.
Add / subtract n
Moves n business days: adding 1 to a Friday or a Saturday gives the Monday (if it is open). With n = 0 a business day stays put and any other day rolls forward (add) or back (subtract).
Count between
Business days after the first date up to and including the second; negative when the second date is earlier. Adding the count to the first date lands on the second whenever that is a business day.

Use it from code or an agent

No key and no account. The page, the REST endpoint and the MCP tool run the same code, so they always agree.

  • Business-day math: is-business-day, next, previous, add, subtract or count.GET /api/v1/business-days?calendar=us-fed&op=add&date=2026-07-02&n=1MCP tool business_day_math
  • A year of holidays as JSON, or as an iCalendar file with format=ics.GET /api/v1/holidays?calendar=target2&year=2027MCP tool list_bank_holidays

API and MCP docs

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