We derive a cutting rule for equal-time in-in correlators including cosmological correlators based on Keldysh r/a basis, which decomposes diagrams into fully retarded functions and cut-propagators consisting of Wightman functions. Our derivation relies only on basic assumptions such as unitarity, locality, and the causal structure of the in-in formalism, and therefore holds for theories with arbitrary particle contents and local interactions at any loop order. As an application, we show that non-local cosmological collider signals arise solely from cut-propagators under the assumption of microcausality. Since the cut-propagators do not contain (anti-)time-ordering theta functions, the conformal time integrals are factorized, simplifying practical calculations.