diff --git a/financepy/utils/calendar.py b/financepy/utils/calendar.py
index a4ea3a9c..13dfdbd5 100644
--- a/financepy/utils/calendar.py
+++ b/financepy/utils/calendar.py
@@ -363,8 +363,37 @@ class Calendar:
     convention and then applies that to any date that falls on a holiday in the
     specified calendar."""
 
-    def __init__(self, cal_type: CalendarTypes):
-        """Create a calendar based on a specified calendar type."""
+    def __init__(self, cal_type: CalendarTypes | list | tuple):
+        """Create a calendar based on a specified calendar type.
+
+        A list or tuple of calendar types creates a joint calendar whose
+        holidays are the union of the holidays of the constituent calendars,
+        so a date is a business day only if it is a business day in every
+        one of them. This is needed for cross-market products, e.g. a swap
+        with a USD SOFR leg and a EUR fixed leg would use
+        Calendar([CalendarTypes.UNITED_STATES, CalendarTypes.TARGET])."""
+
+        if isinstance(cal_type, (list, tuple)):
+
+            cal_types = []
+            for ct in cal_type:
+                if not isinstance(ct, CalendarTypes):
+                    raise FinError("Invalid calendar type " + str(ct))
+                if ct not in cal_types:
+                    cal_types.append(ct)
+
+            if len(cal_types) == 0:
+                raise FinError("Calendar type list is empty")
+
+            if len(cal_types) == 1:
+                # A single-entry list is just that calendar
+                cal_type = cal_types[0]
+            else:
+                # Joint calendar: cal_type holds the constituent types as a
+                # tuple so it never compares equal to a CalendarTypes member
+                self.cal_type = tuple(cal_types)
+                self._joint_cals = [Calendar(ct) for ct in cal_types]
+                return
 
         if cal_type not in CalendarTypes:
             raise FinError("Invalid calendar type " + str(cal_type))
@@ -642,6 +671,13 @@ def is_holiday(self, dt: Date):
         calendar. Weekends are not holidays unless the holiday falls on a
         weekend date."""
 
+        if isinstance(self.cal_type, tuple):
+            # Joint calendar: a holiday in any constituent calendar
+            for cal in self._joint_cals:
+                if cal.is_holiday(dt):
+                    return True
+            return False
+
         start_dt = Date(1, 1, dt.y)
         day_in_year = dt.excel_dt - start_dt.excel_dt + 1
         weekday = dt.weekday
@@ -1492,14 +1528,16 @@ def easter_monday(self, year: float):
     ###########################################################################
 
     def __str__(self):
+        if isinstance(self.cal_type, tuple):
+            s = "JOINT(" + ",".join(ct.name for ct in self.cal_type) + ")"
+            return s
         s = self.cal_type.name
         return s
 
     ###########################################################################
 
     def __repr__(self):
-        s = self.cal_type.name
-        return s
+        return self.__str__()
 
 
 ########################################################################################
diff --git a/unit_tests/test_FinCalendar.py b/unit_tests/test_FinCalendar.py
index 8e47dfd9..7c4b71c6 100644
--- a/unit_tests/test_FinCalendar.py
+++ b/unit_tests/test_FinCalendar.py
@@ -5,6 +5,7 @@
 from financepy.utils.date import Date
 from financepy.utils.date_format import set_date_format
 from financepy.utils.date_format import DateFormatTypes
+from financepy.utils.error import FinError
 
 bus_days_in_decade = {
     CalendarTypes.NONE: 3653,
@@ -232,3 +233,127 @@ def test_fast_adjust_matches_adjust(cal_type, bd_type):
 
     for dt in dates:
         assert cal.fast_adjust(dt, bd_type) == cal.adjust(dt, bd_type)
+
+
+########################################################################################
+# Joint calendars — a list of calendar types unions their holidays
+########################################################################################
+
+
+JOINT_US_UK = [CalendarTypes.UNITED_STATES, CalendarTypes.UNITED_KINGDOM]
+
+
+def test_joint_calendar_holiday_is_union():
+
+    us = Calendar(CalendarTypes.UNITED_STATES)
+    uk = Calendar(CalendarTypes.UNITED_KINGDOM)
+    joint = Calendar(JOINT_US_UK)
+
+    july_4_2023 = Date(4, 7, 2023)  # US Independence Day, UK business day
+    assert us.is_holiday(july_4_2023)
+    assert not uk.is_holiday(july_4_2023)
+    assert joint.is_holiday(july_4_2023)
+
+    aug_28_2023 = Date(28, 8, 2023)  # UK late summer bank holiday, US business day
+    assert not us.is_holiday(aug_28_2023)
+    assert uk.is_holiday(aug_28_2023)
+    assert joint.is_holiday(aug_28_2023)
+
+    plain_day = Date(6, 6, 2023)
+    assert not joint.is_holiday(plain_day)
+    assert joint.is_business_day(plain_day)
+
+
+def test_joint_business_day_is_intersection_over_full_years():
+
+    us = Calendar(CalendarTypes.UNITED_STATES)
+    uk = Calendar(CalendarTypes.UNITED_KINGDOM)
+    joint = Calendar(JOINT_US_UK)
+
+    dt = Date(1, 1, 2020)
+    end = Date(1, 1, 2024)
+
+    while dt < end:
+        assert joint.is_business_day(dt) == (
+            us.is_business_day(dt) and uk.is_business_day(dt)
+        ), f"joint disagrees with single-calendar intersection on {dt}"
+        dt = dt.add_days(1)
+
+
+def test_joint_adjust_skips_holidays_of_both_markets():
+
+    # Good Friday 2021-04-02 and Easter Monday 2021-04-05 are UK bank
+    # holidays but US business days, so a joint US+UK calendar must jump
+    # from the Friday all the way to Tuesday 2021-04-06
+    us = Calendar(CalendarTypes.UNITED_STATES)
+    joint = Calendar(JOINT_US_UK)
+
+    good_friday = Date(2, 4, 2021)
+    assert us.adjust(good_friday, BusDayAdjustTypes.FOLLOWING) == good_friday
+    assert joint.adjust(good_friday, BusDayAdjustTypes.FOLLOWING) == Date(6, 4, 2021)
+
+
+@pytest.mark.parametrize("bd_type", list(BusDayAdjustTypes))
+def test_joint_fast_adjust_matches_adjust(bd_type):
+
+    joint = Calendar(JOINT_US_UK)
+
+    dates = [
+        Date(2, 4, 2021),
+        Date(31, 1, 2021),
+        Date(24, 12, 2021),
+        Date(25, 12, 2021),
+        Date(31, 12, 2021),
+    ]
+
+    for dt in dates:
+        assert joint.fast_adjust(dt, bd_type) == joint.adjust(dt, bd_type)
+
+
+def test_joint_add_business_days_round_trip():
+
+    joint = Calendar(JOINT_US_UK)
+    start = Date(3, 1, 2020)
+
+    for n in [0, 1, 5, 50, 250, -1, -5, -50, -250]:
+        end = joint.add_business_days(start, n)
+        back = joint.add_business_days(end, -n)
+        assert back == start
+
+
+def test_joint_holiday_list_is_union_of_lists():
+
+    us = Calendar(CalendarTypes.UNITED_STATES)
+    uk = Calendar(CalendarTypes.UNITED_KINGDOM)
+    joint = Calendar(JOINT_US_UK)
+
+    year = 2023
+    us_holidays = set(us.get_holiday_list(year))
+    uk_holidays = set(uk.get_holiday_list(year))
+
+    assert set(joint.get_holiday_list(year)) == us_holidays | uk_holidays
+
+
+def test_joint_single_entry_and_duplicates_collapse():
+
+    single = Calendar([CalendarTypes.UNITED_STATES])
+    assert single.cal_type == CalendarTypes.UNITED_STATES
+
+    duplicate = Calendar([CalendarTypes.UNITED_STATES, CalendarTypes.UNITED_STATES])
+    assert duplicate.cal_type == CalendarTypes.UNITED_STATES
+
+
+def test_joint_str_and_repr():
+
+    joint = Calendar(JOINT_US_UK)
+    assert str(joint) == "JOINT(UNITED_STATES,UNITED_KINGDOM)"
+    assert repr(joint) == str(joint)
+
+
+def test_joint_invalid_inputs_raise():
+
+    with pytest.raises(FinError):
+        Calendar([])
+
+    with pytest.raises(FinError):
+        Calendar([CalendarTypes.UNITED_STATES, "TARGET"])