TOOL · CONVERTER
Session converter and T+1 settlement date
Two things that go wrong across time zones: what regular hours mean where you are, and when money from a sale actually frees up. Both computed here.
INPUT
On this date the US East Coast is on —, and it —.
RESULT
Regular hours, your local time
— → —- Settles on—
Pick a date to see the result.
Rule-based holidays only, no ad-hoc closures
Ten holidays are computed from their published rules: New Year's Day, Martin Luther King Jr Day, Presidents' Day, Good Friday, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving and Christmas, with weekend observance applied. Ad-hoc closures (a national day of mourning, for instance) and early closes are not included. If timing is critical, go by the exchange's own notices.
The algorithm, and why it is built this way
What problem it solves
Two recurring confusions for anyone outside US hours: what time the market opens locally, and how many days "T+1" really means. The second catches people out because T+1 counts trading days, not calendar days, so weekends and holidays stretch it noticeably.
How the session conversion works
Regular hours are 9:30 to 16:00 US Eastern. The Eastern offset from UTC shifts with daylight saving — UTC-4 in summer, UTC-5 in winter, switching on the second Sunday of March and the first Sunday of November. The page determines which applies to your chosen date, then converts into your selected zone.
How the settlement date is derived
The rule is "the next trading day after the trade date", where a trading day is neither a weekend nor a market holiday. Holidays are computed from published rules: fixed-date ones (New Year, Juneteenth, Independence Day, Christmas) shift to the nearest weekday when they fall at a weekend; floating ones (third Monday, last Monday, fourth Thursday) are computed positionally; and Good Friday is derived from the standard Easter algorithm, minus two days.
If the date you pick is not itself a trading day, the page moves the trade to the next one before computing settlement.
What it does not cover
No ad-hoc closures and no early closes. No pre- or post-market session times, since those arrangements get adjusted — go by your account. And it makes no network calls and consults no calendar service; everything is computed in your browser from the rules above. It is a converter for the rules, not a mirror of the exchange calendar.
Who needs it
Anyone whose waking hours do not overlap US sessions, and anyone with a date by which they need the money and therefore needs to work backwards to a sell date. The second group especially — around the December holiday cluster the gap is longer than people expect.
Related
What unsettled money can and cannot do is in settlement and withdrawal; which order type suits which session is in trading sessions.