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US Federal Holidays and Business Days

Exact US federal holidays and business-day math, 1971 to 2100.

Free. No paid tier, no key. Source on GitHub

What you get

Set an ACH date around July 4

AP clerk in Chicago, Illinois

Excel file
Tool callWhat it did
is_business_dayChecks 2026-07-03 on the fed_banking calendar

Yes on the Federal Reserve calendar. It's a federal holiday for government staff, but Reserve Banks are open when the holiday falls on Saturday.

Example from "Set an ACH date around July 4". Invented names, real math from the tools.

Ask if a date is a business day, add 10 business days, or find the due date of a Net 30 invoice. It knows the observed-holiday rules and the different Federal Reserve calendar, so payment dates come out right.

Made for Bookkeepers, Accounts payable staff, Paralegals, Project managers

3 requests, start to finish

Example chats. Each one uses real tools of this server, named as they run. The people and firms are made up.

US Federal Holidays and Business Days is free. Pro on the other 49 paid servers: $39 once. Free vs Pro

  1. Example 1 · AP clerk in Chicago, IllinoisSet an ACH date around July 4

    Is Friday July 3, 2026 a business day for an ACH payment?
    • is_business_day Checks 2026-07-03 on the fed_banking calendar

    Yes on the Federal Reserve calendar. It's a federal holiday for government staff, but Reserve Banks are open when the holiday falls on Saturday.

    Saves about 10 min (our estimate)

  2. Example 2 · Bookkeeper in Denver, ColoradoFind a Net 30 due date

    Invoice dated November 27, 2026, Net 30. If the due date is a weekend or holiday, roll to the next business day.
    • invoice_due_date Adds 30 calendar days and rolls with following

    Monday, December 28, 2026. Day 30 lands on Sunday, December 27, so the date rolls forward one business day.

    Saves about 5 min (our estimate)

  3. Example 3 · Paralegal in Washington, DCCount working days for a deadline

    How many business days are there between December 1, 2026 and January 15, 2027? And what's 10 business days after December 18?
    • count_business_days Counts business days, start and end included
    • add_business_days Adds 10 business days and lists skipped holidays

    A count that matches Excel NETWORKDAYS, and January 5, 2027 as the date 10 business days after December 18, skipping Christmas Day and New Year's Day.

    Saves about 10 min (our estimate)

Free, every tool

Free

$0 no key

All tools, no limit found in code
Any date 1971-2100, no network call
Hosted URL needs no token and no sign-in (README)

Limits read from the code: satellites/us-federal-holidays-business-days-mcp/src/tools.ts:68 (tool registry; /usr/bin/grep for license|isPro|MCP_LICENSE in src finds nothing)

Install

Works with Claude, Cursor, VS Code and other MCP clients. The hosted URL needs no install at all.

npm us-federal-holidays-business-days-mcp

Paste this URL as a custom connector in your MCP client. No token, no sign-in.

Connector URL

https://us-federal-holidays-business-days-mcp.lipmichal.workers.dev/mcp

Add this to your MCP client config (Claude Desktop, Cursor, VS Code). Needs Node.js.

{
  "mcpServers": {
    "us-federal-holidays-business-days": {
      "command": "npx",
      "args": [
        "-y",
        "us-federal-holidays-business-days-mcp"
      ]
    }
  }
}

One command in your terminal.

claude mcp add --transport http us-federal-holidays-business-days https://us-federal-holidays-business-days-mcp.lipmichal.workers.dev/mcp

# or run it locally
claude mcp add us-federal-holidays-business-days -- npx -y us-federal-holidays-business-days-mcp

All tools (5)

ToolWhat it does
list_federal_holidaysAll holidays for a year 1971-2100.
is_business_daySays if a date is a business day on the `federal` (OPM) or `fed_banking` (Federal Reserve) calendar.
add_business_daysAdds or subtracts N business days.
count_business_daysCounts business days between two dates.
invoice_due_dateDue date from an issue date and net terms (Net 30 = 30 calendar days).

Questions

Why is July 3, 2026 a banking day?
When a holiday falls on Saturday, federal staff get Friday off, but Reserve Banks stay open. Use the fed_banking calendar for ACH and wires.
How accurate is it?
All 212 holiday rows in OPM's tables for 2011-2030 match its output, and a test checks this.
Does it cover state holidays?
No. It covers US federal holidays only.

More in Calculators

US Federal Holidays and Business Days is free

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