This date is calculated based on 5 days prior to when the IRS releases your refund. Use the date information on Where's My Refund. Your math is correct from the dates above.
Here is more information on the 5 Day Early option: 5 Days Early
Please note: If your federal refund is deposited into your selected bank account less than 5 days before the IRS refund settlement date (the date it would have arrived if sent from the IRS directly), then you will not pay the 5 Days Early
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