Banking calculators and tools
Small, fast tools built on official rules: the Federal Reserve holiday schedule and standard banking formulas. No sign-up, nothing stored.
All tools
- Are banks open today?Instant check against the Federal Reserve holiday schedule.
- Bank holiday calendarAll Federal Reserve holidays through 2030, with weekend rules.
- Business days calculatorAdd business days to a date or count business days between dates.
- ACH arrival estimatorWhen a standard, next-day or same-day ACH transfer should arrive.
- CD earnings calculatorValue at maturity and interest earned from deposit, APY and term.
- CD early withdrawal penaltyWhat breaking a CD early costs and whether it eats principal.
For FDIC deposit insurance coverage, use the official FDIC EDIE calculator— insurance rules depend on ownership categories and are best checked at the source.