Market Day & Settlement Checker

Enter a date and what you’re trading to see market status and the T+1 settlement date.

Stock Market Holidays 2026

NYSE and Nasdaq close for 10 holidays in 2026 and close early on two days; the last closure of the year is Friday, December 25.

Stock Market Holidays 2027

The market closes on 10 weekdays in 2027, and three of them — Jun 18, Jul 5, and Dec 24 — are weekend holidays shifted to a weekday.

Copyable 2027 list

2028 at a Glance

There is no New Year’s Day holiday in 2028, because January 1 falls on a Saturday and NYSE does not observe it on Friday — so Friday, Dec 31, 2027 is a normal trading day.

Regular Hours and Early Closes

Regular stock trading runs 9:30 a.m. to 4:00 p.m. ET, Monday through Friday.

On early-close days stocks stop at 1:00 p.m. ET and eligible options at 1:15 p.m. NYSE American, Arca, National, and Texas late sessions end at 5:00 p.m. Bond early closes (2:00 p.m.) don’t change settlement close times. For pre-market and after-hours mechanics and risks, see Can You Trade Stocks After Hours? New to placing orders? Start with How to Start Investing in Stocks.

“Open, But…”: When Stocks Trade and Something Else Doesn’t

On Columbus Day and Veterans Day, stocks trade normally, but bonds are closed, banks are closed, and stock trades don’t settle.

When Your Trade Settles Around a Holiday

Most U.S. stock, ETF, and corporate bond trades settle one business day after the trade (T+1), and holidays push that date out.

T+1 has applied since May 28, 2024 under SEC Rule 15c6-1.

A settlement “business day” skips weekends, exchange holidays, and Columbus and Veterans Day, when DTC is open but provides no settlement services.

Options settle T+1; mutual fund settlement is set by the fund; Treasuries usually settle T+1.

When You Can Actually Withdraw the Cash

You can usually withdraw sale proceeds only after the trade settles, and the bank transfer can add more business days.

Worked example. You sell $5,000 of an ETF on Wed, Nov 25, 2026. It settles Fri, Nov 27. If your broker starts an ACH transfer that day, banks don’t process on Thanksgiving or the weekend, so it can’t arrive before the next bank business day and may take longer. Your broker’s cutoff times decide the real date, so check your broker’s ACH timing.

Uninvested cash may sit in a sweep program; see Brokerage Cash Sweep. For bank holds on deposits, see How Long Can a Bank Hold a Check?

Year-End: Why December 31 Matters for Taxes

For tax purposes, a stock sale is generally reported in the year of the trade date, not the settlement date (see IRS Publication 550).

Thursday, Dec 31, 2026 is a normal trading day (bonds close at 2:00 p.m.). A sale that day settles Mon, Jan 4, 2027 but still counts in 2026. Tools: Tax-Loss Harvesting Calculator and Year-End Tax Moves. This is general information, not tax advice.

Options, Mutual Funds, Bonds, Crypto, and Forex on Holidays

Options and mutual funds follow the stock calendar, while crypto, forex, and futures keep their own schedules.

23-Hour Trading: What Changes and What Doesn’t

As of October 31, 2026, 23-hour trading is approved and scheduled for December 6, 2026, but it is not live yet.

Status as of Oct. 31, 2026. The SEC approved Nasdaq’s 23/5 proposal on Apr. 10, 2026. It had approved NYSE Arca’s separate 22-hour extension on Feb. 11, 2025.

Nasdaq says its overnight session (9 p.m.–4 a.m. ET) starts Sunday, Dec 6, 2026, pending market-data (SIP) readiness and any SEC rule changes. Trading runs from 9 p.m. Sunday to 8 p.m. Friday, with an 8–9 p.m. ET pause each day.

Access is through member broker-dealers, so your broker decides whether you can use it.

What doesn’t change: the 9:30 a.m.–4:00 p.m. session still sets the opening and closing prices, and settlement terms are based on trade date.

What does: per Nasdaq, trades from 9 p.m. to midnight carry the next calendar day’s trade date, and midnight-to-8 p.m. trades carry that day’s date.

Holidays: Nasdaq says that if a holiday falls Monday through Thursday, trading begins at 9 p.m. ET on the holiday evening. Its FAQ doesn’t spell out the rule for Friday holidays, so check Nasdaq and your broker.

Nasdaq options exchanges, Nasdaq Texas, and PSX keep their current schedules. For extended-hours risks, see Can You Trade Stocks After Hours?

Unscheduled Closures

Markets can close without warning for national days of mourning, and trading can pause during sharp declines.

NYSE and Nasdaq closed on January 9, 2025, for the national day of mourning for former President Carter. Market-wide circuit breakers, set by SEC-approved rules, pause or halt trading after steep S&P 500 drops. None of this appears on a holiday calendar.

FAQ

Quick answers for the days readers ask about most.

Is the stock market open today?

Check the “Today” box at the top. Regular hours are 9:30 a.m.–4:00 p.m. ET on weekdays that aren’t holidays.

Is the stock market open on Black Friday 2026?

Yes, EARLY CLOSE on Nov 27: stocks close at 1:00 p.m. ET (options 1:15 p.m.); bonds at 2:00 p.m.

What time does the stock market close on Black Friday?

1:00 p.m. ET for stocks, 1:15 p.m. for eligible options.

Is the stock market open on Christmas Eve 2026?

Yes, with a 1:00 p.m. ET early close on Thu, Dec 24. It is closed Fri, Dec 25.

Is the stock market open on New Year’s Eve?

Yes. Dec 31, 2026 is a full session for stocks (bonds close 2:00 p.m.). Dec 31, 2027 is also a normal trading day.

Is the stock market open on Veterans Day?

Yes, normal hours, but bonds and banks are closed and stock trades don’t settle that day.

Is the stock market open on Columbus Day?

Yes, with the same limits as Veterans Day: bonds closed, no settlement.

Is the bond market open on Veterans Day?

No. SIFMA recommends a full close on Nov 11, though the recommendation is voluntary.

Is the stock market open on Good Friday 2027?

No. Stocks are closed Fri, Mar 26, 2027, and SIFMA recommends a full bond close.

When is the stock market closed for Juneteenth in 2027?

Friday, June 18, 2027, because June 19 is a Saturday.

Is the stock market closed on July 5, 2027?

Yes. Independence Day (Sunday, July 4) is observed Monday, July 5.

Why is the market closed on Friday, Dec 24, 2027?

Christmas falls on Saturday, so the holiday is observed Friday, and there is no Christmas Eve early close.

What happens if a holiday falls on a weekend?

NYSE generally observes it on the nearest weekday, but not New Year’s Day on a Saturday: no holiday is observed for Jan 1, 2028.

When does my trade settle if I sell before Thanksgiving?

A Wed, Nov 25, 2026 sale settles Fri, Nov 27. A sale on Black Friday settles Mon, Nov 30.

Does Veterans Day count as a settlement day?

No. DTC is open but provides no settlement services on Veterans Day or Columbus Day.

Can I withdraw money right after selling stock?

Usually not. Wait for settlement, then allow for your broker’s ACH timing.

Does the trade date or settlement date count for taxes?

Generally the trade date. A Dec 31, 2026 sale counts for 2026.

Will 23-hour trading run on holidays?

Nasdaq says Monday–Thursday holidays will start trading at 9 p.m. ET that evening once it launches (targeted Dec 6, 2026); it isn’t live as of Oct. 31, 2026.

Sources

Every date on this page comes from these official publications.

• NYSE: Holidays & Trading Hours and the NYSE Group press release (Dec. 23, 2025)
• Nasdaq: U.S. market holiday schedule and the Nasdaq 23/5 Trading Information Hub
• SIFMA: U.S. holiday recommendations (issued Dec. 17, 2025)
• DTCC: DTC anticipated holiday schedule 2026 and FINRA Uniform Practice Advisories
• Federal Reserve: Holidays Observed (K.8)
• SEC: Rule 15c6-1 (T+1); NYSE Arca approval (Release 34-102400, Feb. 11, 2025); Nasdaq 23/5 approval (Release 34-105199, Apr. 10, 2026)
• IRS Publication 550 (trade date for sales)
• OCC and CME Group (options expiration and futures holiday schedules)