Professional Business Day Calculator for Legal & Financial Deadlines
When contracts specify deadlines in business days, accuracy matters. Our business day calculator helps legal and financial professionals calculate precise deadlines by accounting for weekends, public holidays, bank holidays, and market-specific closures.
Legal Deadlines
Calculate response deadlines, filing dates, and contractual obligations that reference business days.
Financial Contracts
Determine settlement dates, payment terms, and market-related deadlines for financial agreements.
Market Closures
Account for stock exchange holidays and market-specific closures in your planning.
Calculate Business Days & Legal Deadlines
Calculate the target date when adding or subtracting business days from a start date.
Count the number of business days between two dates.
View All Holidays by Country & Year
Understanding Business Days in Legal and Financial Contexts
What Are Business Days?
Business days (also called working days or business days) are typically Monday through Friday, excluding public holidays and bank holidays. However, the precise definition can vary by jurisdiction and industry:
- Legal Business Days: Days when courts are open and legal deadlines can be met
- Banking Business Days: Days when banks are open for business transactions
- Market Business Days: Days when financial markets and exchanges are open for trading
Why Accurate Business Day Calculations Matter
In legal and financial contexts, missing a deadline by even one day can have serious consequences:
- Contract Deadlines: Many contracts specify performance requirements in business days (e.g., "Party A shall respond within 5 business days")
- Legal Filings: Court deadlines are often calculated in business days and must account for court holidays
- Financial Settlements: Settlement dates for trades and transactions depend on market business days
- Payment Terms: Net 30 business days payment terms exclude weekends and holidays
Common Business Day Calculation Scenarios
Quarterly Contract Deadlines
Example: A contract states "Party B has 5 business days after the first day of each quarter to provide notice." If Q1 starts on January 1st (a public holiday in many countries), when is the actual deadline?
Our calculator accounts for New Year's Day and any intervening holidays to provide the precise date.
Legal Response Deadlines
Example: You receive a legal notice on December 15th requiring a response within 10 business days. The deadline must account for potential holidays between December 15th and the target date.
Settlement Dates
Example: A T+3 settlement (trade date plus 3 business days) executed on Thursday needs to account for the weekend. If Monday is a market holiday, settlement occurs on Tuesday.
Supported Countries and Regions
Our calculator supports business day calculations for major jurisdictions including the United States, United Kingdom, European Union countries, Canada, Australia, Japan, China, India, and many others. Holiday data includes:
- Federal and national public holidays
- Bank holidays specific to financial institutions
- Stock exchange and market closure dates
- Regional holidays that may affect business operations