Finance Tools
Ex-Dividend Date Calculator
Calculate the ex-dividend date from a record date using common market conventions (T+1 or legacy T+2). Also estimate the last day to buy to receive the dividend.
Ex-Dividend Date Calculator
Estimate the ex-dividend date from a dividend record date using common conventions (US T+1 regular-way or legacy T+2-style). You’ll also see an estimated last day to buy (cum-dividend) to receive the dividend.
Results
Enter a record date to calculate.
How to use
- Enter the dividend record date.
- Select the convention that matches your market context (US T+1 or legacy T+2-style).
- Review the estimated ex-dividend date.
- Use “last day to buy” as a planning estimate and confirm with your broker/exchange.
FAQ
What is the ex-dividend date?
It’s the first day a stock trades without the right to receive the most recently announced dividend. If you buy on or after the ex-date, you typically do not receive that dividend.
Why can ex-date equal record date?
Under US T+1 regular-way processing, ex-date is commonly set on the record date (same business day) for standard dividends. Special cases can differ.
Does this tool account for holidays and special cases?
No. This uses weekend-only business day logic and doesn’t model market holidays or special “due bill” cases. Treat results as an estimate and verify with official sources.
How to use this ex-dividend date calculator
- Enter the dividend record date.
- Choose a convention (US T+1 regular way, or legacy T+2-style).
- Review the estimated ex-dividend date.
- Check the estimated last day to buy (cum-dividend) to receive the dividend.
Example
If the record date is 2025-06-18 and you use US T+1 convention, the ex-dividend date is typically the same day (2025-06-18). The last day to buy to receive the dividend is usually the prior business day.
- Record date = 2025-06-18
- US T+1 (regular way): Ex-date ≈ 2025-06-18
- Last day to buy (estimate) ≈ 2025-06-17 (prior business day)
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