The short answer: new year's eve is Thursday, December 31, 2026, and New Year's Day is Friday, January 1, 2027.
- The countdown to 2027 happens at midnight between them
- New Year's Day 2028 is Saturday, January 1
- Its federal holiday is observed Friday, December 31, 2027
- What's open and closed on New Year's
- Next step: Get the free New Year's planner (we email it to you); want more? The Annual Budget Spreadsheet is $6.99.
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When is New Years? New Year's Eve is Thursday, December 31, 2026, and New Year's Day is Friday, January 1, 2027. The countdown to 2027 happens at midnight between them. Below you'll find the dates for the next few years, what's open and closed, and a free New Year's planner for your party, your goals and your budget. For traditions, the ball drop and things to do that night, see our New Year's Eve ideas.

New Year's dates at a glance
| Year | New Year's Eve | New Year's Day | Federal holiday observed |
|---|---|---|---|
| 2026 → 2027 | Thursday, Dec 31, 2026 | Friday, Jan 1, 2027 | Friday, Jan 1, 2027 |
| 2027 → 2028 | Friday, Dec 31, 2027 | Saturday, Jan 1, 2028 | Friday, Dec 31, 2027 |
The 2027 holiday comes from the U.S. Office of Personnel Management's federal holiday schedule, which lists New Year's Day as Friday, January 1, 2027. Its 2028 schedule lists Friday, December 31, 2027 as the New Year's Day holiday, because January 1, 2028 falls on a Saturday.
Why New Year's Day 2028 is observed in 2027
OPM explains the rule: if a holiday falls on a Saturday, for most federal employees, the preceding Friday is treated as the holiday for pay and leave purposes. If it falls on a Sunday, the following Monday is the holiday.
That means the federal New Year's holiday for 2028 is actually Friday, December 31, 2027, which is also New Year's Eve. It's an unusual year: many government workers get New Year's Eve off, and the holiday counts toward 2028's schedule even though it falls in 2027.
Banks on New Year's
The Federal Reserve Board's list of holidays observed shows New Year's Day on January 1 every year from 2026 through 2030. Most banks follow the Fed's schedule.
- New Year's Day 2027 (Friday, January 1): Federal Reserve offices are closed. Transfers and direct deposits scheduled for that day usually process on the next business day, Monday, January 4.
- New Year's Day 2028 (Saturday, January 1): the Fed's rule for Saturday holidays applies. Its footnote says the Federal Reserve Banks are open on Friday, December 31, 2027, but the Board of Governors is closed.
Your own bank sets its branch hours, so check with it before New Year's Eve. If a bill is due around January 1, pay it a few days early so a holiday doesn't delay it.
Looking ahead: New Year's Eve 2027
New Year's Eve 2027 falls on Friday, December 31, 2027, which is also the observed federal holiday for New Year's Day 2028. That makes for a long weekend at the end of 2027: Friday, December 31 through Sunday, January 2, 2028, for many federal workers and anyone whose employer follows the federal schedule.
The Fed's list also shows a busy December 2027. Christmas falls on Saturday, December 25, 2027, so the Federal Reserve Banks are open on Friday, December 24, while the Board of Governors is closed. The same happens a week later on December 31. If you pay bills or move money around the holidays that year, plan early.
Is New Year's Eve a holiday?
New Year's Eve is a big celebration, but it isn't a federal holiday. Offices, schools and banks usually keep normal hours on December 31, though many close early and some employers give the afternoon off. In years when New Year's Day falls on a Saturday, like 2028, the federal holiday moves to New Year's Eve itself. If you're hosting, start with these New Year's Eve party ideas.
What time does the new year start?
The new year begins at midnight, 12:00 a.m. on January 1, in each time zone. That means it arrives at different times around the world, and many countries ring it in hours before the U.S. does. Within the U.S., the East Coast celebrates first and Hawaii last.
That's useful for families: if kids can't stay up until midnight, you can celebrate along with an earlier time zone, or just pick an "early midnight" at 8 or 9 p.m.
Plan New Year's Eve
The free planner's first two pages help you plan the night:
- Choose where and who. Home, a friend's place or an event.
- Pick a start time, and a kids' countdown time if you need one.
- Plan food and drinks, and who brings what.
- Make a countdown schedule: games, dinner, a movie, the toast.
- Plan rides home. Decide who's driving before the party starts.
For ideas, see our guide to a family New Year's Eve at home. Planning the next day too? Our New Year's Day meal guide covers traditional foods and an easy menu.
How many days until New Years?
As of Tuesday, October 27, 2026, there are 66 days until New Year's Day 2027. A few other milestones:
| From | Date | Days to Jan 1, 2027 |
|---|---|---|
| Today | Tuesday, Oct 27, 2026 | 66 |
| Thanksgiving | Thursday, Nov 26, 2026 | 36 |
| Christmas | Friday, Dec 25, 2026 | 7 |
The week between Christmas and New Year's goes fast. If you're hosting both, plan the New Year's Eve menu and shopping before Christmas so you aren't heading to the store on December 31. Our holiday countdown planner counts down to the big days and breaks the season into weekly tasks.
Working on New Year's Day
Some people work on New Year's Day: nurses, police, retail, restaurant and hotel staff, and many others. Whether you get extra pay depends on your employer and your job, since private employers set their own holiday pay rules. Our holiday pay guide explains how it usually works and what to ask your employer. If you're a federal employee, OPM's schedule sets your holiday: Friday, January 1, 2027, and then Friday, December 31, 2027 for the 2028 New Year's Day.
Make the long weekend count
New Year's Day 2027 on a Friday gives many families a three-day weekend, January 1 through January 3. A simple plan:
- Friday: sleep in, a big brunch, and a walk or a movie. Fill in the year in review page together.
- Saturday: take down holiday decorations, and box them by room so next year is easier.
- Sunday: plan the week ahead, set the January budget and get school bags ready for Monday.
Look back, then look ahead
The planner's "my year in review" page asks for the best moment of the year, something you learned, something you're proud of, a hard thing you got through and someone you want to thank. Fill it in on New Year's Eve, or make it a family conversation at dinner.
Then the goals page asks for three goals, why each one matters, a first step and a date. Small first steps are easier to start than big resolutions. Our New Year's resolutions page has ideas by category, from health to money to home.
Reset your budget for the new year
January is a natural time to reset your money. The planner's money reset checklist walks you through:
- Listing every bill and its due date.
- Checking last year's spending by category.
- Setting a monthly budget.
- Picking a savings goal.
- Reviewing subscriptions.
- Putting next year's big expenses on a calendar.
The Annual Budget Spreadsheet ($6.99) gives you a yearly overview with monthly budget tabs. Prefer paper? The Budget Planner Printable ($5.99) has twelve undated pages for your budget, bills, spending, savings and debt. And the Sinking Funds Tracker ($4.99) helps you save ahead for the year's big costs, like car registration, holidays and back-to-school. Our how to make a budget for the new year guide walks through the steps.
Simple New Year's traditions for families
You don't need a big party to make the night special. A few easy ideas families enjoy:
- A time capsule. Everyone writes a note or adds a small item, and you open it next New Year's Eve.
- A memory jar. Read last year's notes aloud, then start a new jar for the year ahead.
- A photo look-back. Scroll through the year's photos and pick a favorite from each month.
- A family goal. Choose one thing to do together, like a trip, a new recipe each month or a weekly game night.
Curious about the luck customs, like eating 12 grapes at midnight? See our guide to New Year's superstitions.
- A New Year's Day walk to start the year outside.
Put the year's dates on a calendar
Once the new year arrives, put the year's holidays and big dates on one calendar. Our 2027 calendar lists the federal holidays, and our holiday calendar covers the season. The Household Binder ($6.99) has a monthly calendar, weekly planner and Birthdays & Important Dates page to keep your family's year organized.
Other holidays around New Year's
New Year's comes right after the Christmas holidays. For 2026, Christmas is Friday, December 25. Keep track of the days in between with our holiday countdown planner. The next federal holiday after New Year's Day 2027 is the Birthday of Martin Luther King, Jr. on Monday, January 18, according to OPM.
Not every new year starts on January 1. Lunar New Year 2027 falls on Saturday, February 6, the start of the Year of the Goat.
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Frequently asked questions
When is New Years this year? New Year's Eve is Thursday, December 31, 2026, and New Year's Day is Friday, January 1, 2027. The countdown to 2027 happens at midnight between the two.
What day of the week is New Year's Day 2027? New Year's Day 2027 is on a Friday. New Year's Day 2027 falls on Friday, January 1, so many people get a three-day weekend from Friday through Sunday, January 3.
Is New Year's Day a federal holiday? Yes, New Year's Day is a federal holiday. New Year's Day is a federal holiday. The U.S. Office of Personnel Management lists it as the first federal holiday of 2027, on Friday, January 1.
Is New Year's Eve a federal holiday? No, New Year's Eve is not a federal holiday. New Year's Eve, December 31, is not a federal holiday, so most banks, offices and schools follow their normal schedules or close early. The one exception is when New Year's Day falls on a Saturday, like in 2028.
When is New Year's Day 2028 observed? New Year's Day 2028 is observed on Friday, December 31, 2027. New Year's Day 2028 falls on a Saturday, so OPM lists the preceding Friday, December 31, 2027, as the holiday for most federal employees.
Are banks open on New Year's Day 2027? No, Federal Reserve offices close on New Year's Day, Friday, January 1, 2027, and most banks follow that schedule. Payments and transfers usually process on the next business day, Monday, January 4.
Are banks open on December 31, 2027? Yes, the Federal Reserve Banks will be open on Friday, December 31, 2027, but the Board of Governors will be closed. The Fed's rule is that when a holiday falls on a Saturday, the Reserve Banks open the Friday before. Check with your own bank for its hours.
How many days until New Years? As of Tuesday, October 27, 2026, it is 66 days until New Year's Day, Friday, January 1, 2027. From Thanksgiving, Thursday, November 26, 2026, it is 36 days, and from Christmas Day it is 7 days. Our holiday countdown planner keeps the count for you.
When does the New Year start? The New Year starts at midnight, 12:00 a.m. on January 1, in each time zone. Places in earlier time zones ring it in first, so if you want an early countdown for kids, you can join a time zone that celebrates before yours.
What is a good New Year's Eve plan for families? A night at home with snacks, games and an "early midnight" countdown for kids works well. Use the free planner on this page, and see our guide to a family New Year's Eve at home for ideas.
What should I do to get ready for the new year? Look back on the year, pick a few goals and reset your budget. The free planner here has a year in review page, a goals page and a money reset checklist. Our New Year's resolutions page has more ideas.
Is there a budget tool for starting the new year? Yes, the HomeBase Annual Budget Spreadsheet is a budget tool for starting the new year. The Annual Budget Spreadsheet ($6.99) has a yearly overview with monthly budget tabs, so you can set the year's plan in January. Our how to make a budget for the new year guide walks through it.
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Plan New Year's Eve and a fresh start
A party plan, countdown schedule, year in review, goals and a money reset. You'll also get our weekly HomeBase email with simple planning and home organization tips.
