Change any value to update the result.
9days
Days until next payday: 9 daysPersonal inputs stay on this device. Sharing sends the calculator page without these values.
For monthly pay, enter the nominal scheduled day before bank/weekend adjustments or select month-end. The calculator counts days from your chosen date to the next deposit using the last scheduled payday and pay frequency.
9days
Open with these values2days
Open with these values7days
Open with these valuesDays = adjusted next payday − counting date
The output is the number of days from the counting date to the next deposit. Nothing here says anything about the amount, gross or net.
The weekend and holiday shifts follow the ACH network and the Federal Reserve calendar. For a German salary the pay date is set by the employment contract, and the closing days are those of the Bundesland.
ACH settles overnight, so the money is already there on the morning of the payday itself. The count therefore runs to the next payday after that date and is always at least 1.
A holiday on a Sunday closes the Federal Reserve the Monday after, and the deposit moves back to the Friday before. A holiday on a Saturday leaves the Friday before open, and nothing shifts at all.
MisconceptionMy payday falls on a Saturday, so the money comes on Monday.
CorrectionIt arrives on the Friday before. ACH does not settle at the weekend, so the payroll transaction books on the last business day beforehand.
MisconceptionA holiday on a Saturday moves my payday to the Thursday.
CorrectionThe Federal Reserve is open on the Friday before, so the payday stays where it is. The payday of Friday 3 July 2026 does not move.
MisconceptionEarly-pay banks always release the money two days ahead.
CorrectionThe head start depends on when your employer submits the ACH file, which is why it is an input here. Choose none, one day or two.
| Scheduled payday falls on | The Federal Reserve is | The money lands |
|---|---|---|
| Saturday | closed, ACH does not settle | the Friday before |
| Sunday | closed, ACH does not settle | the Friday before |
| A holiday on a weekday | closed | the business day before |
| A holiday on a Saturday | open on the Friday before | on that Friday, unshifted |
| A holiday on a Sunday | closed on the Monday after | the Friday before |
Bi-weekly pay means a paycheck every 14 days, so 26 a year. Semi-monthly means two fixed dates a month, usually the 15th and the last day, so 24 a year. Bi-weekly earners therefore get two months a year with three paychecks.
On the Friday before. The ACH network does not settle transfers at the weekend, so the payroll processor books the transaction on the last business day beforehand.
No, ACH stops on the eleven days the Federal Reserve is closed, and the money lands on the business day before. Watch the weekend rules: a holiday on a Sunday closes the Monday after, but a holiday on a Saturday leaves the Friday before open and shifts nothing.
Employers submit the ACH file up to 48 hours before the settlement date. Traditional banks hold the money until the deadline, while banks such as Chime or SoFi credit the notified amount straight away. The actual head start depends on when your employer sends the file, which is why it is an input here.
Most employers pay in arrears, for the pay period you have already worked. You work a full cycle, wait through the payroll processing window, and are paid on the next scheduled date. On a bi-weekly schedule the first payment can arrive three weeks after your start date.
No. The weekend and holiday shifts follow the ACH network and the Federal Reserve calendar, which apply to US bank accounts only. For a German salary, the pay date is set by the employment contract and the closing days are those of the Bundesland.
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