When will your money actually arrive?

Pick the rail and the send time. You get an honest arrival window (earliest, typical, latest) computed from published cutoffs, weekends, holiday calendars and time zones. Free, no login, and nothing ever leaves your browser.

JavaScript is off. The calculator runs entirely in your browser (that's how we keep it private), so it needs JavaScript. All payment guides work without it.

Your transfer

Where is the money going?

Payment method / rail

Not sure which rail your bank used? Check the payment guides.

Sent date & time (your local time)

We convert this to the rail's home time zone before checking cutoffs.

Advanced: my bank's cutoff

Sending bank's daily cutoff

Banks stop submitting to the network before the official close. If you know yours, set it here.

Estimated arrival

computed in your browser

Choose your transfer to begin

Which payment rails are open right now?

Instant rails never close. Batch rails follow business days and cutoffs. This board computes each rail's scheduled state, in your browser, from the same published calendars the calculator uses. It reflects operating schedules, not live bank telemetry.

Scheduled status

Rail	Route	Status	Typical speed
Enable JavaScript to see scheduled rail status.

Understand the rail your money rides on

Plain-English guides to the major payment systems: how they work, realistic timings, and what delays them.

US · Batch

ACH transfers

The rail behind US paychecks and bill pay, and why "1–3 days" is really about cutoffs and batches.

Read the guide → US · Instant

RTP vs. FedNow

America's two instant rails compared: coverage, limits, and what "24/7" actually means.

Read the guide → EU · Both

SEPA payments

Standard vs. Instant credit transfers, and why every euro-area bank now settles in 10 seconds.

Read the guide → Global · Correspondent

SWIFT transfers

How money really crosses borders, what gpi changed, and where the days go.

Read the guide → US · Same-day

Wire transfers

Fedwire cutoffs, real costs, and when a wire beats an instant payment.

Read the guide → Cards · Multi-stage

Card refunds

Why refunds take 3–10 days when the charge was instant, stage by stage.

Read the guide →

All payment guides →

Honest estimates, shown work

Rail-native time zones

ACH cutoffs live in US Eastern time, SEPA's in CET, CHAPS' in UK time. Your send time is converted to the rail's home zone before any cutoff check, with DST handled by your browser.

Holidays, computed

US Federal Reserve holidays, Eurosystem TARGET closing days and UK bank holidays are calculated algorithmically for any year. No hardcoded tables to expire; one-off proclamation holidays are the single exception.

Ranges, not promises

Every estimate is an earliest, typical and latest-normal window built from published network rules, with the assumptions listed step by step. When routing varies, the confidence tag says so.

Nothing leaves your device

The engine is a single JavaScript file running locally. No accounts, no cookies, no analytics beacons, no server round-trips. View source and check.

Full details on the features page. Known limits: destination-country holidays on SWIFT routes and bank-specific risk holds aren't modelled. The delay factors call these out per estimate.