Business Days Calculator: Count Working Days Between Dates, Add Business Days, All 11 US Federal Holidays, Juneteenth Included
Count the exact number of US business days between any two dates, or find the date that falls N business days from today. Excludes all weekends and all 11 US federal holidays including Juneteenth (official since 2021). Shows which holidays fall in your range. Free PDF report included.
Business Days Calculator Tool
Count business days between two dates
Default: start date is not counted (the clock starts the next business day). Check the box to include start date in the count.
Business Days Per Month in Selected Range
What Is a Business Day in the United States? The Official Definition
A US business day is any day that is not a Saturday, Sunday, or a federal public holiday. For most Americans, that means Monday through Friday excluding the 11 official federal holidays recognized by the US Office of Personnel Management (OPM). The term appears in contracts, loan documents, court filing rules, IRS notices, and employment agreements across every industry in the country.
The distinction between “business days” and “calendar days” changes real deadlines significantly. A 30-calendar-day period may contain only 20-22 business days. A “15 business day” SLA might actually span nearly 3 calendar weeks. Knowing the difference protects you in negotiations, protects your rights in legal proceedings, and keeps project timelines honest.
How This Business Days Calculator Works
The Count mode calculates business days between two dates. By default, the start date is not counted (the clock starts the following business day), matching standard US legal and commercial convention. Check the “include start date” box if your specific context counts day 1 as the start date itself.
The Add mode finds the exact calendar date that falls N business days after a given start date. Enter a start date and the number of business days to add. The calculator steps through each day, skipping weekends and federal holidays, and returns the target date with the full list of holidays it skipped along the way.
Both modes show a month-by-month bar chart of business days in the selected range. This helps project managers and operations teams plan around holiday-heavy months like November and December.
All 11 US Federal Holidays: Dates and Calculation Rules
These are the official US federal holidays recognized by the Office of Personnel Management. Federal agencies are closed on these days. Financial markets (NYSE, NASDAQ, bond markets) also observe most of these. When a holiday falls on Saturday, the prior Friday is the observed holiday. When it falls on Sunday, the following Monday is observed.
Business Days in 2025 and 2026: Monthly Reference Table
| Month | 2025 Business Days | Federal Holidays in Month (2025) |
|---|---|---|
| January | 21 | New Year’s Day (Jan 1), MLK Day (Jan 20) |
| February | 19 | Presidents’ Day (Feb 17) |
| March | 21 | None |
| April | 22 | None |
| May | 21 | Memorial Day (May 26) |
| June | 20 | Juneteenth (June 19) |
| July | 22 | Independence Day (July 4) |
| August | 21 | None |
| September | 21 | Labor Day (Sep 1) |
| October | 22 | Columbus Day (Oct 13) |
| November | 18 | Veterans Day (Nov 11), Thanksgiving (Nov 27) |
| December | 22 | Christmas (Dec 25) |
| Full Year 2025 | 250 | 11 federal holidays total |
Three Real US Scenarios: Business Day Counting in Practice
HR Manager: 60-Day Notice Period for Executive Transition (Employment Law)
A Chicago company receives a letter of resignation from its VP of Operations on Monday, January 6, 2025. The employment contract requires 60 business days’ notice. The HR manager needs to know the last working day of the notice period. Starting from January 6 (not counted as day 1 per standard legal convention), the 60-business-day window runs forward. The calculation must skip MLK Day (January 20), Presidents’ Day (February 17), and Memorial Day (May 26). The 60th business day lands in mid-April 2025. Without properly excluding federal holidays, the HR team might set an incorrect transition date that violates the contract terms, creating liability for the company. The Add Business Days mode of this calculator handles this exact scenario instantly.
Real Estate Closing: 30-Business-Day Due Diligence Period in a Commercial Purchase
A commercial real estate buyer in Miami signs a purchase agreement on July 1, 2025. The contract specifies a 30-business-day inspection and due diligence period. July 4 (Independence Day) falls on a Friday in 2025 and is a non-business day. The buyer’s attorney counts forward 30 business days, skipping July 4. The 30th business day falls around August 12, 2025. If the contract had said “30 calendar days,” the deadline would have been July 31. The buyer gets nearly 2 extra calendar weeks because of business day counting. Real estate transactions commonly use business days for contingency periods, mortgage commitment deadlines, attorney review periods, and title search timelines.
Small Business Owner: Calculating Q4 Working Days for Revenue Forecasting
A Dallas e-commerce company owner needs to forecast Q4 2025 revenue. Q4 runs October 1 through December 31. She needs the exact number of business days to project staffing, shipping capacity, and call center scheduling. October and December each have 22 business days. November has only 18 because Thanksgiving falls on November 27, and many retailers functionally lose both Thanksgiving and the day after (though Black Friday itself is not a federal holiday and is counted). Total Q4 business days: 62 out of 92 calendar days. The busiest holiday shopping weeks (Black Friday through December 24) contain exactly 18 business days. This calculator shows the month-by-month chart automatically after you enter the date range.
Four Expert Tips on US Business Day Counting
Juneteenth Changed the Count in 2021: Update Your Legacy Tools
President Biden signed Juneteenth National Independence Day into law on June 17, 2021. This added June 19 as the 11th official US federal holiday, effective immediately. Any business days calculator, spreadsheet formula, or software built before 2021 that does not include Juneteenth is understating holiday exclusions for any date range that includes June 19. In 2025, June 19 falls on a Thursday, removing one business day from June’s 21-weekday count, giving June only 20 business days. Check your existing tools and contracts written before 2021 for this gap.
Financial Markets Have Slightly Different Holiday Rules Than Federal Agencies
NYSE and NASDAQ close on all 11 federal holidays except Columbus Day and Veterans Day. Both Columbus Day (2nd Monday in October) and Veterans Day (November 11) are federal government holidays, but the stock exchanges typically remain open on these days. For financial calculations involving trading days rather than standard business days, use a trading-days calculator specific to NYSE holiday schedules. This general-purpose calculator uses the full federal OPM list, which is standard for employment, contracts, and government deadlines.
The Observed Holiday Rule Shifts Entire Weeks Around Key Dates
When July 4 falls on a Saturday, the federal holiday is observed on Friday July 3, making it a 4-day workweek Thursday through Wednesday. When Christmas falls on a Sunday, December 26 (Monday) is the observed holiday. In 2026, July 4 falls on Saturday: the observed date is July 3 (Friday), effectively creating a long Independence Day weekend from Thursday July 2 through Sunday July 5 for employees who also take Thursday off. This shifts business day counts in those weeks and must be accounted for in project planning and contract deadlines spanning those dates.
Always Specify “Business Days” or “Calendar Days” in Written Agreements
Ambiguous time language in contracts is a leading source of commercial disputes. “30 days” without qualification could mean 30 calendar days or 30 business days, a difference of 8-12 days in most months. The IRS, courts, SEC, and banking regulators each define “business days” in their specific regulations. When drafting a contract, always state explicitly: “30 business days (Monday through Friday, excluding US federal holidays)” or “30 calendar days (including weekends and holidays).” For international contracts, specify the country whose holiday calendar applies.
Business Days in Legal, Financial, and Regulatory Contexts
Court Filing Deadlines and the Federal Rules of Civil Procedure
Under the Federal Rules of Civil Procedure (Rule 6), when a court deadline falls on a weekend or federal holiday, the period automatically extends to the next business day. This rule applies to federal courts nationwide. Many state court rules follow the same convention. A 14-day response period that begins on a Monday and whose 14th calendar day lands on a Saturday automatically extends the deadline to the following Monday.
Attorneys must count business days carefully for motions to dismiss, discovery deadlines, appeal windows, and responsive pleading schedules. Missing a court filing deadline by even one day can result in dismissal of claims or entry of default. Business day calculators are standard tools in legal practice management software for this reason.
Banking and Loan Funding Timelines
Regulation Z (Truth in Lending Act) requires a 3-business-day “right of rescission” period for home refinance transactions. This means a homeowner who signs refinance documents on Wednesday cannot have the loan funded until Monday (the third business day after signing), since weekends do not count. The Federal Reserve’s Regulation CC governs check hold periods in business days. Most ACH electronic transfers settle in 1-3 business days. Mortgage loan closings, wire transfers, and escrow disbursements all follow business-day timing tied to Federal Reserve banking days.
IRS and Tax Deadlines: How Business Days Affect Your Filing Windows
The Internal Revenue Service routinely specifies response windows in business days in audit correspondence, collection notices, and deficiency letters. A typical IRS CP2000 notice (underreporter inquiry) gives you 30 days to respond. If that 30-day window spans Thanksgiving or Christmas, the calendar-day count may include days when the IRS itself is closed, but the count still runs in calendar days unless the notice specifically says business days.
The IRS’s own interest and penalty calculations often use calendar days, not business days, for accruing daily interest on unpaid balances. However, under the Internal Revenue Code, when a tax filing deadline falls on a weekend or federal holiday, the deadline automatically shifts to the next business day. April 15 falling on a Saturday in a given year pushes the individual tax filing deadline to Monday April 17.
Tax attorneys and enrolled agents use business day calculators constantly during audit season to verify response deadlines, calculate the exact last day to mail a response using the “timely mailing equals timely filing” rule, and track 90-day Tax Court petition windows from Notice of Deficiency receipt dates.
Construction and Real Estate Development: Business Days in Project Contracts
Construction contracts under AIA (American Institute of Architects) standard forms use business days for key milestones including change order response windows, submittal review periods, and punch list completion timelines. A standard 10-business-day window for submitting change order responses gives the project owner two full calendar weeks (assuming no holidays) to evaluate cost and schedule impacts before the contractor can pursue claims.
Real estate development timelines frequently specify business days for entitlement milestones: planning department review periods, public comment windows, and agency approval timelines. A city planning department with a “45-business-day” permit review window could take up to 63 calendar days to respond, which matters significantly for project financing timelines and construction start dates.
Real estate purchase contracts commonly use business days for: attorney review periods (3-5 business days in many northeast states), mortgage contingency windows, inspection response periods, and final walkthrough scheduling. Understanding the business-day count before signing keeps buyers and sellers from being surprised by calendar-day to business-day conversions when actual deadline dates land later than expected.
Human Resources and Employment Law Business Day Applications
Federal employment laws frequently use business days for employee rights windows. The WARN Act (Worker Adjustment and Retraining Notification Act) requires 60 calendar days’ notice, but many state mini-WARN acts use business days. FMLA (Family and Medical Leave Act) regulations require employers to designate leave and notify employees within 5 business days of learning of the qualifying event. COBRA election periods run in calendar days (60 days for election, 45 days for first payment), not business days.
US payroll cycles use business days for direct deposit processing: ACH payroll files transmitted on Wednesday settle by Friday (2 business days). Payroll submitted on Thursday settles Monday. Companies processing Thursday payroll for Friday payday must submit by end of business Wednesday. When Thanksgiving falls on Thursday, employers typically move payroll submission to Tuesday to ensure Wednesday settlement and Thursday direct deposits still hit employee accounts on the standard Friday schedule.
SEC Filing Deadlines and Business Days in Capital Markets
The Securities and Exchange Commission (SEC) measures many regulatory deadlines in business days. Form 8-K (material event disclosure) must be filed within 4 business days of the triggering event. Form 4 (insider trading disclosure) must be filed within 2 business days of the transaction. These tight windows make business day calculators essential tools for corporate secretaries, compliance officers, and securities counsel.
For initial public offerings, the SEC review process runs on business day timelines. The standard SEC review of a registration statement takes approximately 30 days (calendar), but comment letter responses must be filed within specific business day windows. Failing to file within these windows can delay an IPO’s effectiveness and harm capital-raising timelines. Investment banks and law firms track SEC filing deadlines in business days using precise calendar tools that account for the full federal holiday schedule.
Short-form shelf registration statements (Form S-3) and automatic shelf registrations for well-known seasoned issuers (WKSIs) become effective immediately, but takedown transactions off the shelf still require timing coordination with market windows measured in business days. The SEC’s EDGAR filing system is generally available 24 hours a day but filings submitted after 5:30 PM ET receive the next business day’s filing date for purposes of compliance deadlines.
Supply Chain and Logistics: Business Day Implications for Shipping SLAs
US commercial shipping services define their advertised transit times in business days. UPS Ground, FedEx Ground, and USPS Priority Mail all measure delivery windows Monday through Friday, excluding federal holidays. A “3-business-day” ground shipment from Chicago sent on Thursday arrives the following Tuesday (Friday counts as day 1, Monday counts as day 2, Tuesday is day 3). If Monday is a federal holiday (Labor Day, for example), the same shipment arrives Wednesday.
E-commerce businesses publishing shipping SLAs must account for federal holidays in their delivery date estimates. A product listed as “3-5 business days” shipped on the Wednesday before Thanksgiving arrives the Wednesday or Thursday of the following week, not the Monday-Tuesday the customer might expect if they ignore the Thanksgiving holiday. Inaccurate business-day estimates during peak holiday shipping periods are one of the leading documented causes of customer complaints, negative reviews, and chargebacks for e-commerce operators in Q4.
International shipping adds further complexity: a shipment from a US origin cleared by US Customs on a US federal holiday might encounter delays because the receiving country’s customs may also be closed (or vice versa). US-Canada cross-border shipments must account for both US federal holidays and Canadian federal statutory holidays, which do not align on the same calendar.
Project Management: Sprint Planning and Milestone Tracking in Business Days
Software development teams using Agile and Scrum frameworks plan sprints in business days. A two-week sprint contains exactly 10 business days, reduced by any federal holidays that fall within the sprint window. Teams planning a sprint that overlaps Thanksgiving week must account for losing at least one full business day (and often 1-2 additional days to informal holiday travel), reducing effective sprint capacity to 7-8 business days. Sprint velocity calculations that do not adjust for holiday sprints produce unreliable burndown charts.
Project managers in regulated industries (healthcare IT, financial services, defense) use business day calendars for formal milestone tracking, gate reviews, and compliance certification windows. A healthcare IT implementation with a “90-business-day” go-live window maps to approximately 4.5 calendar months but varies significantly depending on which quarter contains the most federal holidays. Q4 implementations spanning October through December face maximum holiday pressure with 4 federal holidays compressing 90 business days into nearly 5 calendar months.
Healthcare Claims and Insurance: Business Days in Payer Contracts
Health insurance payer contracts with providers routinely specify business day windows for claims submission, payment, and dispute resolution. Under the Affordable Care Act and state prompt payment laws, insurers must pay clean claims within a specified number of business days (often 30 business days for electronic claims, 45 for paper claims). Claims submitted on the day before a federal holiday may reset the clock, pushing payment into the next business day cycle.
Medical coding and billing departments track business day windows for claim denial appeals, prior authorization responses, and Medicare administrative contractor (MAC) review timelines. CMS-specified timelines for Medicare appeals run in calendar days, but many commercial payer contracts default to business days. Knowing the exact business day count prevents missed appeal windows that permanently bar resubmission of denied claims.
Workers’ compensation claims in most US states are governed by statutory business day windows for employer reporting (typically 5-10 business days from injury date), insurer acceptance or denial (15-30 business days), and payment of accepted claims (10-14 business days from award). Missing these windows triggers statutory penalties, making accurate business day tracking a financial compliance requirement for employers and insurers alike.
Quick Reference: Business Days for Common Planning Periods
| Period | Approx. Business Days | Notes |
|---|---|---|
| 1 week | 5 | Standard Mon-Fri week; 4 if week contains a federal holiday |
| 2 weeks | 10 | Standard; 9 if 1 holiday falls in range |
| 30 calendar days | 20-22 | Varies by month and holidays; 20 in Nov |
| 45 calendar days | 30-32 | Approximately 6-7 weeks of weekdays |
| 60 calendar days | 41-43 | Two calendar months excluding weekends/holidays |
| 90 calendar days / 1 quarter | 62-65 | Full Q4 2025: 62 (Nov has only 18 days) |
| 6 months (half year) | 128-131 | Depends on which half of year; H2 has fewer due to Nov |
| Full year (2025) | 250 | Exact: 261 weekdays minus 11 federal holidays = 250 |
Frequently Asked Questions About Business Days
Most standard US months have between 20 and 22 business days when all federal holidays are properly excluded. The range depends on how many weekdays the month has and how many federal holidays fall within it. March and April typically have 21-22 business days (no federal holidays). November has the fewest at 18 in most years (Veterans Day on November 11 plus Thanksgiving, which eliminates a Thursday and often a Friday informally). July is unusual because Independence Day on July 4 can be any weekday, affecting the count. The most widely used planning estimate is 21 business days per month, which gives 252 for a full year before subtracting the 11 federal holidays, yielding approximately 250-252 net business days annually.
A US business day is any weekday (Monday through Friday) that is not a federal public holiday. The 11 US federal holidays are: New Year’s Day, Martin Luther King Jr. Day, Presidents’ Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Business day definitions can vary by context: NYSE trading days exclude Columbus Day and Veterans Day but otherwise match. State holidays may add additional non-business days for state government offices. The federal OPM definition is the most widely used standard for contracts, employment law, and regulatory filings.
No. In standard US convention, Saturday is not a business day. Business days are Monday through Friday only, excluding federal holidays. Some businesses (retail, healthcare, hospitality) operate on weekends, but Saturday and Sunday are not business days for legal, financial, and contractual purposes. When a federal holiday falls on Saturday, the preceding Friday becomes the observed holiday (also not a business day). If you see Saturday hours at a bank or government office, those are customer-service hours, not “business day” status for regulatory or legal timeline purposes.
A typical year has 250 to 252 US business days when all 11 federal holidays are excluded. In 2025: 261 weekdays (Mon-Fri) minus 11 federal holidays = 250 business days. The count shifts slightly year to year based on how many holidays fall on weekdays vs weekends (weekend holidays get observed on a weekday, shifting the count). In a year where several holidays fall on weekends (reducing weekday holidays to 10 or 9), the count can reach 252 or 253. 250 is the commonly cited standard for annual business day planning.
Yes. Juneteenth National Independence Day (June 19) became an official US federal holiday on June 17, 2021, when President Biden signed the Juneteenth National Independence Day Act. It is fully recognized by OPM and affects business day counts from 2021 onward. In years where June 19 falls on a weekday, it removes one business day from June’s count. When it falls on Saturday, the observed holiday is Friday June 18. When it falls on Sunday, the observed day is Monday June 20. Legacy calculators, spreadsheets, and software built before 2021 that do not include Juneteenth produce incorrect business day counts for any date range containing June 19.
Two calendar weeks (14 days) normally contain exactly 10 business days, covering Monday through Friday for two complete consecutive weeks. If one federal holiday falls within the 14-day window, the count drops to 9 business days. If two holidays fall in range (rare for a 14-day period but possible in holiday-dense stretches like late November), the count drops to 8. “Two weeks’ notice” in employment law typically means 10 business days when stated as business days, but most people informally mean 14 calendar days. Always clarify whether your contract or agreement says “business days” or “calendar days.”
When a federal holiday falls on Saturday, the observed (official non-business day) is the preceding Friday. Example: July 4, 2026 falls on Saturday. The observed Independence Day holiday is Friday, July 3, 2026. Federal offices, banks, and financial markets close on July 3. When a federal holiday falls on Sunday, the observed day is the following Monday. Example: If Christmas falls on Sunday, December 26 (Monday) is the observed holiday. This rule ensures that federal employees always receive their holiday observance on a weekday, and that business day calculations exclude the right days.
30 calendar days typically contains 20-22 business days, depending on the specific month and which federal holidays fall within the window. For example: 30 days starting November 1, 2025 contains 18 business days (Veterans Day on Nov 11, Thanksgiving on Nov 27 reduce the count). 30 days starting March 1, 2025 contains 21 business days (no federal holidays in March 2025). For contract drafting: if you want “one full business month” of time, specify “22 business days” rather than “30 days,” as the calendar-day number can produce significantly fewer working days in holiday-heavy months.
State holidays are not automatically non-business days for federal or general commercial purposes. Each state designates its own additional holidays for state government offices. Examples: California observes Cesar Chavez Day (March 31). Texas observes San Jacinto Day (April 21) and Confederate Heroes Day (January 19). New York observes Lincoln’s Birthday (February 12). State court deadlines often exclude state holidays. Federal court and federal agency deadlines only exclude the 11 federal holidays. Private contracts are governed by their own terms: a contract that says “US federal business days” excludes only the 11 federal holidays, not state-specific ones.
In common American usage, “business days” and “working days” mean the same thing: weekdays excluding federal holidays. However, in some industries and legal contexts, they can differ. “Working days” in an employment context sometimes refers to a specific employee’s scheduled workdays, which might include weekends for shift workers or exclude certain weekdays for part-time employees. OSHA and some labor regulations define “working days” relative to the employee’s specific schedule. For the purposes of contracts, banking, legal filings, and financial transactions, “business day” is the standard term and means Monday-Friday excluding federal holidays.
10 business days equals exactly 2 calendar weeks (14 days) if no federal holidays fall in the range. If one federal holiday falls within the 14 days, 10 business days will span 15 calendar days. If two holidays fall in range, it spans 16 calendar days. For planning purposes: 10 business days is approximately 2 weeks. Common deadlines stated as “10 business days” include credit card payment dispute initial responses, certain insurance claim acknowledgment requirements, and some customer-service SLA windows in US commercial contracts.
This depends on your specific context. Under Federal Rules of Civil Procedure Rule 6(a), when computing any time period, the day that triggers the period (day zero) is NOT counted. The count begins the day after the triggering event. This is the most common convention in contracts, legal notices, and regulatory deadlines. However, some contexts do count day one as the start date itself. This calculator defaults to the most common legal and commercial convention (start date not counted) but includes a checkbox to count the start date as day 1 for contexts that require it. Always verify the specific rule or contract language that governs your deadline.
Use the Count Business Days mode: enter today’s date as the start date and the target date as the end date. The calculator returns the exact number of US business days between now and that date, listing any federal holidays that fall within the range. This is useful for tracking SLA deadlines, loan funding timelines, contract milestone dates, and IRS response windows. The IRS, for example, commonly specifies response deadlines in terms of “business days” from the date of a notice, making this calculation directly relevant for tax compliance.
Excel’s NETWORKDAYS function calculates business days between two dates. Syntax: =NETWORKDAYS(start_date, end_date, holidays). The “holidays” argument is optional; pass a range containing your holiday dates to exclude them. NETWORKDAYS includes both the start and end dates in the count, so subtract 1 if your convention is to not count the start date. For the “Add N business days” operation, use WORKDAY: =WORKDAY(start_date, days, holidays). This returns the date that is exactly N business days after start. Neither function automatically includes Juneteenth unless you add June 19 to your holidays range, making manual holiday maintenance critical for accurate results.
For federal bank regulatory purposes, banking business days exclude all 11 federal holidays plus weekends, consistent with standard business days. However, Federal Reserve Banks are closed on those same 11 federal holidays, which affects ACH settlement and wire transfer availability. Some consumer-facing banks choose to remain open on Columbus Day and Veterans Day (which the NYSE also keeps open), but regulatory deadlines (Regulation E dispute resolution, Regulation CC fund availability) still follow the full federal holiday calendar. When your bank’s lobby is open on Columbus Day but the Federal Reserve wire system is running, it is technically still a banking business day for transaction purposes, but certain regulatory clocks still run on the full federal calendar.
Q1 2025 (January 1 through March 31) contains 61 business days: January has 21 (New Year’s Day Jan 1, MLK Day Jan 20 excluded), February has 19 (Presidents’ Day Feb 17 excluded), March has 21 (no federal holidays). Total: 21 + 19 + 21 = 61 business days out of 90 calendar days. For comparison, Q1 2024 had 62 business days. Q2 2025 (April through June) has 63 business days (Memorial Day May 26, Juneteenth June 19). Q3 2025 (July through September) has 64 business days (Independence Day July 4, Labor Day Sep 1). Q4 2025 (October through December) has 62 business days (Columbus Day Oct 13, Veterans Day Nov 11, Thanksgiving Nov 27, Christmas Dec 25).
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Legal Disclaimer and Editorial Transparency
This business days calculator is provided for informational and planning purposes only. It does not constitute legal, financial, or professional advice. US federal holidays are as designated by the Office of Personnel Management (OPM) under 5 USC 6103. Juneteenth was added as an official federal holiday by the Juneteenth National Independence Day Act, signed June 17, 2021. The holiday observation rule (Saturday observed Friday prior, Sunday observed Monday following) applies per OPM guidance. NYSE and NASDAQ trading holidays may differ from OPM federal holidays: both exchanges remain open on Columbus Day and Veterans Day. State court deadlines and state agency deadlines may exclude additional state-specific holidays not listed here. Always verify the governing law or contract terms for your specific jurisdiction before relying on any calculated deadline as legally binding. For legally binding deadline calculations, always verify with qualified legal counsel. Federal Rules of Civil Procedure Rule 6 governs time computation for federal court deadlines. References: OPM Federal Holidays; NYSE Market Hours; Federal Reserve.