2027 holiday calendar: every date and how to plan for each one

The short answer: the 2027 holiday calendar has 11 federal holidays, from New Year's Day (Friday, January 1) to Christmas (observed Friday, December 24). Easter falls on March 28 and Mother's Day on May 9.

• Long weekends: Martin Luther King Jr. Day (January 18), Presidents' Day (February 15), Memorial Day (May 31)
• Fall: Labor Day September 6, Thanksgiving Thursday, November 25
• Savings plan: pick the holidays you spend on, write a number next to each and divide by the months left
• Bank and mail closures are listed below
• Next step: Plan it with the Holiday Season Bundle ($15.99).

The 2027 holiday calendar has 11 federal holidays: New Year's Day (Friday, January 1), Martin Luther King Jr. Day (January 18), Washington's Birthday (February 15), Memorial Day (May 31), Juneteenth (observed Friday, June 18), Independence Day (observed Monday, July 5), Labor Day (September 6), Columbus Day (October 11), Veterans Day (Thursday, November 11), Thanksgiving (Thursday, November 25) and Christmas (observed Friday, December 24). Easter falls on March 28, Mother's Day on May 9 and Halloween on a Sunday. For any year's dates, including observed days, open the free calendar with federal holidays.

A date list only gets you halfway, though. Every holiday on that calendar is also a bill: a cookout, a card, a trip, a turkey, a stack of gifts. Below you'll find every 2027 date in one place, plus a simple way to turn the calendar into a savings plan so December doesn't land on a credit card.

Every dollar amount in this guide is an example to show the math. Your family, your traditions and your paycheck set your real numbers, so swap in your own.

2027 federal holidays at a glance

These are the official dates from the U.S. Office of Personnel Management's federal holiday schedule. When a holiday falls on a Saturday, federal workers get the Friday before off. When it falls on a Sunday, they get the Monday after. That rule moves three holidays in 2027.

For the first month of the year, our free January 2027 calendar shows New Year's Day and MLK Day on a printable page.

Working one of these days? Our guide to holiday pay explains what federal law requires, how time and a half is figured and the rules for federal workers.

Still planning the rest of this year? Our free 2026 calendar printable has every month of 2026 with the federal holidays marked.

A printable holiday planner keeps gifts, menus and dates on a few pages.

Want these dates on a page you can write on? Download our free printable 2027 calendar with every federal holiday and observed day marked.

One more date to know: New Year's Day 2028 falls on a Saturday, so the federal day off is Friday, December 31, 2027. That gives federal workers back-to-back three-day weekends to close out the year. Private employers set their own holiday schedules, so check your handbook before you book anything.

Other 2027 holidays and observances families plan around

These aren't federal days off, but they're the ones that show up on a family budget. The date math here follows the usual rules (Mother's Day is the second Sunday in May, for example), and the Jewish holidays begin at sundown the evening before.

For taxes, the IRS "When to file" page explains that the deadline is normally April 15 and moves to the next business day when the 15th lands on a weekend or legal holiday. Confirm the 2027 date there before you plan around it.

2026 holidays still ahead

If you're reading this before the new year, three federal holidays are still left on the 2026 calendar:

Christmas 2026 lands on a Friday, so for anyone who has it off it starts a three-day weekend, and New Year's Day 2027 is the following Friday, January 1. That makes the last two weeks of December the most expensive stretch of the year for many families, which is why the savings plan below starts in January.

Bank and mail closures in 2027

Holidays don't only change your plans. They can change when money moves. Most banks follow the Federal Reserve's holiday schedule, and the Fed handles weekend holidays a little differently from the federal government:

• Saturday holidays: When a holiday falls on a Saturday, the Federal Reserve Banks stay open on the Friday before. In 2027 that covers Friday, June 18 (Juneteenth), Friday, December 24 (Christmas) and Friday, December 31 (New Year's Day 2028). Federal offices are closed on those Fridays, but money can still move.
• Sunday holidays: When a holiday falls on a Sunday, the Fed is closed the following Monday. In 2027 that's Monday, July 5.
• Regular weekday holidays: The Fed is closed on the other Monday holidays, plus Veterans Day and Thanksgiving.

What this means for your budget: if a bill is due or a paycheck is expected on or right after a Monday holiday, a deposit or payment can take an extra business day to post. Your bank and your employer make the final call on timing, so ask them, and give any autopay a day or two of cushion around holiday weekends.

How to turn the 2027 holiday calendar into a savings plan

Here's the part the date-list sites skip. I grew up in Detroit as the oldest of three, and I was the one my family leaned on to keep everything coordinated. The biggest lesson from that job: a holiday is never a surprise. It's on the calendar a full year ahead, so you can plan for it the same way you plan for rent.

The Consumer Financial Protection Bureau's budgeting guide points out that many money crunches come from timing, when bills and income don't line up. Holidays are the classic case. Here's how to fix that in seven steps.

1. Pick the holidays your family actually spends on. Go through the two tables above and circle the ones that cost you money. Most families end up with six to ten. Skip the ones you don't celebrate.
2. Write a realistic number next to each one. Look back at last year's bank statements, or use the holiday budget calculator for the big season. Include the hidden costs: gas, wrapping paper, the extra grocery run, the card for your sister's in-laws.
3. Set a deadline a week or two before each date. You want the money in hand when you shop, not on the day. For Christmas, that might be December 1, or even earlier if you shop on Black Friday. My guide to when to start Christmas shopping helps you pick that date.
4. Divide each total by the months you have left. That gives you one monthly amount per holiday. This is a sinking fund: small, steady deposits toward a cost you know is coming.
5. Add the monthly amounts to your budget as one line. Call it "Holidays" and treat it like a bill. If your plan starts in January, it belongs in your new year budget from day one.
6. Match deposits to paydays. If you're paid every other week, split the monthly amount in half per paycheck. Months with a third paycheck are a gift here, and my biweekly budget template guide shows how to use them.
7. Spend from the fund, then reset. When a holiday passes, note what you actually spent and adjust next year's number. Any leftover rolls into the next holiday on the list.

Worked example: a 2027 holiday sinking fund

Here's an example family that starts saving in January 2027. The amounts are examples only.

In January, this family sets aside $180 for holidays ($30 + $20 + $20 + $10 + $20 + $80). Once Valentine's Day and Easter are funded, the spring line drops off and the monthly total falls to $150. After Mother's Day and Father's Day it drops to $130, and after the cookout it's $110. By the fall, only Halloween, Thanksgiving and Christmas are left, and every one of them is already paid for when it arrives.

Compare that to the family that waits. They'd need the full $960 for Christmas in roughly four weeks of December paychecks, on top of Thanksgiving and regular bills. Same holidays, same spending, much more stress. Our holiday stress plan covers the time, gift and hosting pressures too.

Use the long weekends wisely

2027 is full of three-day weekends for federal workers: ten of them if you count December 31, plus a four-day Thanksgiving for many people. Long weekends are where budgets quietly leak, because trips, outings and takeout pile up. A few ways to keep them under control:

• Pick one or two long weekends to travel, and plan the rest as stay-home weekends. My holiday travel budget guide walks through the full cost of a trip.
• Give each trip its own sinking fund line in the table above, with its own deadline.
• Book early for July 5 and Labor Day, when summer prices are high and everyone has the same idea.
• Plan Thanksgiving around the four-day weekend. If you're hosting, my Thanksgiving dinner timeline has the shopping schedule.

Plan your 2027 holidays with the Annual Budget Spreadsheet

The Annual Budget Spreadsheet ($6.99) is the easiest way to see your whole 2027 holiday plan in one file. It has a setup tab, 12 monthly tabs, a transaction log with dropdowns, planned-versus-actual columns, over-budget alerts in red and a year dashboard with a chart. It works in Excel and Google Sheets. Add "Holidays" as a category, enter your monthly amount, and you'll see in March whether Christmas is on track.

For the savings side, the Sinking Funds Tracker ($4.99) holds up to 20 goals. It calculates the monthly amount you need for each one, shows progress bars and keeps a deposit and withdrawal log, so every holiday in the worked example gets its own bar. If you're paid every other week, the Paycheck Budget Spreadsheet ($5.99) works out your pay dates for the year and assigns bills to each paycheck. You can browse all of them in Spreadsheets.

For the biggest season of the year, the Christmas Budget & Gift Planner ($4.99) comes as a printable and a spreadsheet, and it includes a Holiday Calendar and a To-Do Timeline for December. Find more planners in Printables. If you'd like to try a plan before you buy, the free Holiday Budget Starter Kit is three US Letter pages, emailed to you when you join the list.

Common holiday budgeting mistakes

• Planning only for Christmas. The small holidays add up. Six "small" ones at $50 each is $300 that has to come from somewhere.
• Forgetting the extras. Travel, postage, hosting groceries and outfits for photos often cost more than the gifts.
• Saving in your checking account. Money you can see gets spent. A separate savings account or a clearly labeled fund keeps it safe.
• Ignoring holiday timing. A Monday holiday can push a deposit back a day. Leave a cushion before autopay dates.
• Never reviewing. Write down what you really spent after each holiday. Next year's numbers will be far more accurate. My holiday budget guide covers the full season in more detail.

For the days around Christmas, see our guides to Christmas Eve traditions and Boxing Day, including which ones are official holidays.

For December 21 and December 26, see our guides to winter solstice traditions and Kwanzaa decorations.

Planning spring? Our Easter 2027 date guide covers Easter Sunday, Lent and Orthodox Easter through 2035.