Business Days Calculator: How to Count Working Days
Everything you need to know about business days — what counts, how to calculate them, and common deadlines explained.
What Is a Business Day?
A business day (also called a working day or weekday) is any day from Monday through Friday that is not a public holiday. In the US, there are 11 federal holidays per year that are not considered business days.
Common Business Day Deadlines
Many legal and financial deadlines are counted in business days:
| Context | Typical Deadline |
|---|---|
| Bank transfers (ACH) | 1-3 business days |
| Credit card disputes | 60 business days |
| Home inspection period | 10 business days |
| SEC filing deadlines | 4 business days |
| Insurance claim response | 15 business days |
| Tax refund processing | 21 business days |
| Passport processing | 6-8 weeks (30-40 bd) |
| Shipping (standard) | 5-7 business days |
US Federal Holidays (2026)
These 11 days are not counted as business days:
New Year's Day (Jan 1) · MLK Day (Jan 19) · Presidents' Day (Feb 16)
Memorial Day (May 25) · Juneteenth (Jun 19) · Independence Day (Jul 4)
Labor Day (Sep 7) · Columbus Day (Oct 12) · Veterans Day (Nov 11)
Thanksgiving (Nov 26) · Christmas Day (Dec 25)
How to Calculate Business Days
Method 1 — Online calculator: Use our business days calculator for instant results.
Method 2 — Excel: Use =WORKDAY(start, days) to add business days, or =NETWORKDAYS(start, end) to count them.
Method 3 — Quick mental math: Multiply business days by 1.4 to get approximate calendar days. Example: 10 business days ≈ 14 calendar days (2 weeks).