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Reading your calendar
Shifted dates (marked with the original in parentheses) are the ones that ambush autopay — the check arrives early but must last longer. Biweekly earners: the ★ months hold three checks; treating the third as automatic savings is the classic move (the biweekly calculator does that math).
The autopay alignment trick
Most billers let you pick a due date once. Set the big ones (rent aside) 2–3 days after a payday from this calendar and cash flow stops being a monthly puzzle. Semimonthly earners have it easiest — the 16th and 1st cover everything.
New year, new print
Regenerate each January — holiday shifts move yearly, and biweekly rhythms drift (some years hand you 27 checks). The holiday paydays page explains each 2026 shift if a date on your print looks odd.
Frequently asked questions
How do I figure out all my paydays for the year?
From any one payday and your schedule, the rest are arithmetic: biweekly repeats every 14 days (26 checks), semimonthly hits the 15th and last day (24), with weekend/holiday dates paid the business day before. This page generates the whole year from one known payday.
Why is my payday sometimes a day early?
Banks don't settle on weekends or federal holidays, so payroll processes early. Your Friday check before Christmas (a Friday in 2026) lands Thursday the 24th.
What should I do with a payday calendar?
Line up autopay dates just after paydays, circle the 3-paycheck months (biweekly) for extra savings, and flag the holiday-shifted checks that need to stretch an extra day. Ten minutes with the printed page prevents most 'why am I overdrawn' mysteries.
Will this match my employer's official calendar exactly?
Within a day — payroll calendars occasionally make one-off adjustments. Your HR portal has the official version; this one is for the fridge.