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2028 Biweekly Pay Dates — Both Friday Schedules

Find your nominal Friday anchor first, then apply your employer’s holiday and payment policy.

Calendar confirmedChecked Sep 27, 2026 · Sources and assumptions
Both common Friday schedules have 26 dates26 + 26

Schedule A starts January 7, 2028 and has three dates in March and September. Schedule B starts January 14 and has three dates in June and December. Each schedule has 26 nominal Friday pay dates; leap year does not give every biweekly schedule 27 paychecks.

Holiday CSV · Holiday ICS · Schedule A CSV · Schedule A ICS · Schedule B CSV · Schedule B ICS · Printable calendar

Schedule A: January 7 anchor

Schedule A — unadjusted 2028 Friday anchors
NumberNominal dateMonth patternPayment-policy note
1Friday, January 7, 2028Two-date monthConfirm employer/provider timing
2Friday, January 21, 2028Two-date monthConfirm employer/provider timing
3Friday, February 4, 2028Two-date monthConfirm employer/provider timing
4Friday, February 18, 2028Two-date monthConfirm employer/provider timing
5Friday, March 3, 2028Three-date monthConfirm employer/provider timing
6Friday, March 17, 2028Three-date monthConfirm employer/provider timing
7Friday, March 31, 2028Three-date monthConfirm employer/provider timing
8Friday, April 14, 2028Two-date monthConfirm employer/provider timing
9Friday, April 28, 2028Two-date monthConfirm employer/provider timing
10Friday, May 12, 2028Two-date monthConfirm employer/provider timing
11Friday, May 26, 2028Two-date monthConfirm employer/provider timing
12Friday, June 9, 2028Two-date monthConfirm employer/provider timing
13Friday, June 23, 2028Two-date monthConfirm employer/provider timing
14Friday, July 7, 2028Two-date monthConfirm employer/provider timing
15Friday, July 21, 2028Two-date monthConfirm employer/provider timing
16Friday, August 4, 2028Two-date monthConfirm employer/provider timing
17Friday, August 18, 2028Two-date monthConfirm employer/provider timing
18Friday, September 1, 2028Three-date monthConfirm employer/provider timing
19Friday, September 15, 2028Three-date monthConfirm employer/provider timing
20Friday, September 29, 2028Three-date monthConfirm employer/provider timing
21Friday, October 13, 2028Two-date monthConfirm employer/provider timing
22Friday, October 27, 2028Two-date monthConfirm employer/provider timing
23Friday, November 10, 2028Two-date monthFederal offices observe Veterans Day; Fed Banks open
24Friday, November 24, 2028Two-date monthAfter Thanksgiving; confirm submission cutoff
25Friday, December 8, 2028Two-date monthConfirm employer/provider timing
26Friday, December 22, 2028Two-date monthConfirm employer/provider timing

Schedule B: January 14 anchor

Schedule B — unadjusted 2028 Friday anchors
NumberNominal dateMonth patternPayment-policy note
1Friday, January 14, 2028Two-date monthConfirm employer/provider timing
2Friday, January 28, 2028Two-date monthConfirm employer/provider timing
3Friday, February 11, 2028Two-date monthConfirm employer/provider timing
4Friday, February 25, 2028Two-date monthConfirm employer/provider timing
5Friday, March 10, 2028Two-date monthConfirm employer/provider timing
6Friday, March 24, 2028Two-date monthConfirm employer/provider timing
7Friday, April 7, 2028Two-date monthConfirm employer/provider timing
8Friday, April 21, 2028Two-date monthConfirm employer/provider timing
9Friday, May 5, 2028Two-date monthConfirm employer/provider timing
10Friday, May 19, 2028Two-date monthConfirm employer/provider timing
11Friday, June 2, 2028Three-date monthConfirm employer/provider timing
12Friday, June 16, 2028Three-date monthConfirm employer/provider timing
13Friday, June 30, 2028Three-date monthConfirm employer/provider timing
14Friday, July 14, 2028Two-date monthConfirm employer/provider timing
15Friday, July 28, 2028Two-date monthConfirm employer/provider timing
16Friday, August 11, 2028Two-date monthConfirm employer/provider timing
17Friday, August 25, 2028Two-date monthConfirm employer/provider timing
18Friday, September 8, 2028Two-date monthConfirm employer/provider timing
19Friday, September 22, 2028Two-date monthConfirm employer/provider timing
20Friday, October 6, 2028Two-date monthConfirm employer/provider timing
21Friday, October 20, 2028Two-date monthConfirm employer/provider timing
22Friday, November 3, 2028Two-date monthConfirm employer/provider timing
23Friday, November 17, 2028Two-date monthConfirm employer/provider timing
24Friday, December 1, 2028Three-date monthConfirm employer/provider timing
25Friday, December 15, 2028Three-date monthConfirm employer/provider timing
26Friday, December 29, 2028Three-date monthConfirm employer/provider timing

Worked example: annual salary over 26 pay dates

For a $78,000 salary paid evenly over 26 nominal pay dates, gross pay is $3,000 per check before deductions and withholding. A three-date month contains $9,000 of scheduled gross pay in this simple example; a two-date month contains $6,000. This does not increase the annual salary.

A third paycheck is not automatically free of benefit deductions or retirement contributions. Employers may collect certain deductions on 24, 26 or another number of checks. Confirm the plan’s deduction schedule before treating the entire third deposit as extra spending money.

Use a known scheduled payday

A known unadjusted January 7 or January 21 Friday payday belongs to Schedule A; January 14 or January 28 belongs to Schedule B. Use a scheduled date from the employer’s calendar, because an early bank deposit can be misleading. These lists describe pay dates, not pay-period start and end dates.

A leap year has 366 days, but 2028 has only 52 Fridays. Both Friday anchor sequences therefore contain 26 dates. Some Saturday or Sunday anchors can contain 27 dates; that fact should not be copied onto the Friday schedules. Employer adjustments can also move actual payments across a year boundary.

Method, assumptions and release timing

OPM published 2028 observances and Federal Reserve schedules, with UTC civil-calendar enumeration. Nominal payroll anchors are not employer-approved payment or settlement dates. New Year’s Day 2028 is federally observed on December 31, 2027.

Civil dates and published observances are available now. Employer calendars and payment-provider cutoffs require separate confirmation.

Primary sources: Published 2028 federal holiday schedule · 2026–2030 Federal Reserve holiday schedules Source checked Sep 27, 2026; verified Sep 27, 2026.

Frequently asked questions

Are there 27 biweekly Friday paychecks in 2028?

Neither common unadjusted Friday schedule has 27 dates in 2028. The January 7 and January 14 anchors each have 26. Other weekdays and employer adjustments can differ.

Which months have three paychecks?

For the January 7 anchor, March and September have three nominal dates. For the January 14 anchor, June and December do. Your actual payment policy can change deposit dates.

Are these pay-period start and end dates?

No. They are nominal pay-date sequences. Your employer defines the work periods, payroll lag, approval deadlines and bank settlement arrangements.

Does a federal office holiday always close banks?

No. Federal office observances, Federal Reserve schedules, bank branch hours and individual payment services can differ. A Saturday holiday does not automatically close Federal Reserve Banks on the preceding Friday. Check the provider’s processing calendar.

Explore a related calculator

Payroll calculator. Check the calculator’s supported year and assumptions; it may use a different year from this planning reference.

All 2028 planning guides · Matching 2027 guide

Reviewed methodology

How this page is reviewed

YMYL · Last verified 2026-09-27

See methodology, assumptions & sources
Risk tierYMYL
AuthorCalculover Editorial Team Reference education
Editorial ownerCalculover Editorial Annual reference methodology owner
ReviewerCalculover Editorial Review Primary-source and limitation review
StatusCalendar confirmed
Source as of2026-09-27
Last reviewed2026-09-27
Last verified2026-09-27
Next review date2027-01-04
Expected releaseCivil dates and published observances are available now. Employer calendars and payment-provider cutoffs require separate confirmation.
Projection methodOPM published 2028 observances and Federal Reserve schedules, with UTC civil-calendar enumeration. Nominal payroll anchors are not employer-approved payment or settlement dates. New Year’s Day 2028 is federally observed on December 31, 2027.
Data effective date2028-01-01

Methodology

OPM published 2028 observances and Federal Reserve schedules, with UTC civil-calendar enumeration. Nominal payroll anchors are not employer-approved payment or settlement dates. New Year’s Day 2028 is federally observed on December 31, 2027.

Assumptions

  • Published OPM observances and nominal civil-calendar payroll anchors are distinct from employer policy.
  • Sources were actually reviewed on the recorded verification date; final releases supersede provisional figures.

Limitations

  • Employer policy and provider cutoffs determine actual payment dates.
  • Federal-office, banking and payment-service calendars are not interchangeable.

Sources

Professional guidance: Scheduling education, not legal or financial advice. Confirm actual paydays and processing with your employer and payroll provider.