まで and までに both use the same kanji and look almost identical but they mean very different things. まで means "until" (continuous, ongoing up to a point). までに means "by" (a deadline: the action must be completed before or at that point). One tiny particle changes everything.
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まで "until", continuous duration
Use まで when something continues up to a time or place. The action or state is ongoing throughout. Works with both time and location.
までに "by [deadline]", completion required
Use までに when something must be done before or at a point in time. No continuous activity only the requirement that the result exists by the deadline.
The swap test how to choose
Ask yourself: is the action happening continuously up to that point, or does it just need to be completed by that point?
まで (continuous duration)
夜十時まで勉強する。
I'll study until 10 PM. (studying goes on until 10)
までに (deadline)
夜十時までに勉強する。
I'll study by 10 PM. (odd for studying, but clear deadline pattern)
Classic confusion: "be there by 3"
✗ Wrong nuance
三時までいてください。
Please be there until 3. (continuous must stay until 3)
✓ If you mean "arrive by 3"
三時までに来てください。
Please come by 3. (deadline just needs to happen before 3)
One-line rule: まで = staying or continuing up to a point. までに = something must be finished by that point. If you can replace it with "by [deadline]" in English, use までに.