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Which holidays are excluded?
The 11 federal holidays in 5 U.S.C. 6103: New Year's Day, Martin Luther King Jr. Day, Washington's Birthday, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving and Christmas. When a holiday falls on a Saturday, the Friday before is skipped; on a Sunday, the Monday after. State and company holidays are not included.
Worked example
From Monday, November 23, 2026 to Monday, December 7, 2026 there are 10 weekdays. Thanksgiving falls on November 26, so excluding federal holidays leaves 9 business days. The start date is counted and the end date is not, which is how most "within 10 business days" deadlines are read; check your contract if a deadline matters.
Common uses
Shipping estimates, bank transfer times, notice periods and legal or HR deadlines are usually stated in business days. Stock trades in the US settle one business day after the trade (T+1) since May 2024.
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Frequently asked questions
Is the start date counted?
Yes, the start date is counted if it is a business day; the end date is not.
Does it include state holidays?
No, only US federal holidays.
Are state or company holidays excluded?
No. Only the 11 federal holidays are excluded; subtract any extra days yourself.
Is Saturday a business day?
Not here. Saturdays and Sundays are always skipped.