ACH Clock

2027 payroll calendar

Every semi-monthly payday in 2027, with the date an ACH file has to be submitted to make it at each of the three settlement speeds. 8 of the 24 scheduled dates are not banking days, so the payday itself moves.

This is the standard semi-monthly cycle: the 15th and the last day of every month. Where that date falls on a weekend or a Federal Reserve holiday, funds cannot settle on it, so the payday shown is the banking day before. Paying early is safe; paying late is not.

Semi-monthly paydays and ACH submission dates, 2027
ScheduledPayday Same Day ACHNext Day ACHTwo Day ACH
Jan 15Fri, Jan 15Fri, Jan 15Thu, Jan 14Wed, Jan 13
Jan 31Fri, Jan 29*Fri, Jan 29Thu, Jan 28Wed, Jan 27
Feb 15Fri, Feb 12*Fri, Feb 12Thu, Feb 11Wed, Feb 10
Feb 28Fri, Feb 26*Fri, Feb 26Thu, Feb 25Wed, Feb 24
Mar 15Mon, Mar 15Mon, Mar 15Fri, Mar 12Thu, Mar 11
Mar 31Wed, Mar 31Wed, Mar 31Tue, Mar 30Mon, Mar 29
Apr 15Thu, Apr 15Thu, Apr 15Wed, Apr 14Tue, Apr 13
Apr 30Fri, Apr 30Fri, Apr 30Thu, Apr 29Wed, Apr 28
May 15Fri, May 14*Fri, May 14Thu, May 13Wed, May 12
May 31Fri, May 28*Fri, May 28Thu, May 27Wed, May 26
Jun 15Tue, Jun 15Tue, Jun 15Mon, Jun 14Fri, Jun 11
Jun 30Wed, Jun 30Wed, Jun 30Tue, Jun 29Mon, Jun 28
Jul 15Thu, Jul 15Thu, Jul 15Wed, Jul 14Tue, Jul 13
Jul 31Fri, Jul 30*Fri, Jul 30Thu, Jul 29Wed, Jul 28
Aug 15Fri, Aug 13*Fri, Aug 13Thu, Aug 12Wed, Aug 11
Aug 31Tue, Aug 31Tue, Aug 31Mon, Aug 30Fri, Aug 27
Sep 15Wed, Sep 15Wed, Sep 15Tue, Sep 14Mon, Sep 13
Sep 30Thu, Sep 30Thu, Sep 30Wed, Sep 29Tue, Sep 28
Oct 15Fri, Oct 15Fri, Oct 15Thu, Oct 14Wed, Oct 13
Oct 31Fri, Oct 29*Fri, Oct 29Thu, Oct 28Wed, Oct 27
Nov 15Mon, Nov 15Mon, Nov 15Fri, Nov 12Wed, Nov 10
Nov 30Tue, Nov 30Tue, Nov 30Mon, Nov 29Fri, Nov 26
Dec 15Wed, Dec 15Wed, Dec 15Tue, Dec 14Mon, Dec 13
Dec 31Fri, Dec 31Fri, Dec 31Thu, Dec 30Wed, Dec 29

Read across: submit the file by the date in your own settlement-speed column and funds are available on payday. Two Day is the safest of the three and the default on the paid feed, because a file submitted too early costs nothing and one submitted too late misses payroll. Your originating bank sets its own cutoff on top of this, usually earlier in the day and sometimes a full business day sooner.

The Same Day column repeats the payday because that is what Same Day ACH means: the file goes out on the morning of, and has to clear the 4:45 PM ET window to settle the same afternoon. The other two columns buy you a day or two of margin instead.

* marks a payday that moved because the scheduled date is not a banking day.

Scheduled dates that are not banking days in 2027

Other pay frequencies

Paying monthly on the last day of the month? That is the second row of each month above. Biweekly and weekly cycles depend on the anchor date your own schedule started from, which is yours rather than a published rule, so they are not listed here. The payroll cutoff calculator takes any payday and works back through the same banking calendar.

Where these dates come from

Submission dates count backwards through banking days, skipping weekends and the eleven Federal Reserve holidays, from the payday funds have to be available on. The closures behind them are the 2027 ACH holiday schedule. For a single file rather than a year, use the settlement date calculator.

Other years: 2026 payroll calendar.

Every closure through 2030, in your calendar

This page answers one year. The calendar feed answers all of them: every ACH non-processing day through 2030, with payroll cutoff warnings, subscribed once into the calendar you already use. It updates itself, so there is nothing to check again.

$9 once. Not a subscription, and nothing renews.