Day Trading Profit Calculator

PDT Rule Day Trade Counter

FINRA replaced the pattern day trader rule in 2026, and this counter tracks the old rolling five-day count for brokers that still apply it during the phase-in.

Result

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FINRA replaced the pattern day trader count and the $25,000 minimum on June 4, 2026, and brokers may phase the change in until October 20, 2027. This count only matters if your broker still applies the old test, so ask your broker first.

Add a date for each day trade you made in the last week.

    What the pattern day trader rule is now

    FINRA replaced the pattern day trader rule. Under amendments to Rule 4210 effective June 4, 2026, the day trade count test and the $25,000 minimum are gone, replaced by intraday margin standards. Firms that need more time may phase the change in until October 20, 2027, and FINRA's notice does not spell out what those firms apply in the meantime, so your broker may still use the old count.

    That is the only reason this counter remains useful. The old test flagged four or more day trades within five business days, so it counts your trades in that rolling window and shows when each one leaves it. Ask your broker which standard applies to your account. If your broker has moved to the new standard, the count no longer decides anything.

    Under the new standard a firm checks whether your margin account has enough equity for the exposure it held during the day. A shortfall is an intraday margin deficit that you have to cover as promptly as possible. If you habitually fail to cover deficits, the firm must restrict new short positions and new debit balances for 90 days. The $2,000 minimum equity for a margin account remains in Rule 4210.

    Old test: 4 or more day trades in today plus the previous 4 business days. A trade leaves the window 5 business days after it was made.

    Worked example

    Suppose today is Friday, November 6, 2026, and you day traded on Friday, October 30, then on Monday, November 2, Tuesday, November 3, and today. The window runs from Monday to Friday, so the October 30 trade is out and the count is 3.

    A broker running the old test would treat one more day trade this week as the fourth. The November 2 trade leaves the window on Monday, November 9.

    What the result does not account for

    • Market holidays. The window skips weekends only, so around a holiday your broker's count can differ by a day.
    • Your broker's own policy, which can be stricter than FINRA's rule and which decides the outcome for your account.
    • The new intraday margin calculation, which depends on your positions and equity during the day and which this counter does not attempt.
    • Trades you did not enter. The counter knows only the dates you type.

    Rules and sources

    We checked these rules on November 2, 2026 against FINRA Regulatory Notice 26-10, FINRA Rule 4210 and FINRA's investor page on frequent intraday trading.

    Frequently asked questions

    Do I still need $25,000 to day trade?

    FINRA's rule no longer requires it as of June 4, 2026, but firms may phase in the change until October 20, 2027, and a broker can set its own higher requirements. Your broker can tell you which applies to your account.

    Does a cash account have a day trade limit?

    The count applied to margin accounts. In a cash account you must pay for securities in full before selling them, and trading on unsettled funds can bring violations such as free-riding. Most stock trades settle one business day after the trade date.

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