Unfortunately, You have to specify the Holidays.
There's no built in function to tell Excel which days are holidays.
Simply because the definition of Holiday varies so much from city to state to country, and not even all businesses recongnize the same holidays.
So you have to create your own range of cells that contain designated holiday dates to exclude.
So this would do January, based on the year given in A1
=NETWORKDAYS(DATE(YEAR($A$1),1,1),EOMONTH(DATE(YEAR($A$1),1,1),0),$M$1:$M$20)
The Red 1's are what you have to change for each month
M1:M20 is the range (you can put it anywhere you want) containing your list of holiday dates.
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