Calculate your PTO payout, instantly.
Know exactly what you'll receive when you leave a job — gross payout, estimated taxes by state, and your real net take-home amount.
Gross payout
$2,500.00
Federal (22%)
−$550.00
State + FICA
−$316.25
Net take-home
$1,633.75
80 PTO hours · $31.25/hr · 65.4% net
Your exact payout — gross, tax, and net.
Enter your details
How are you paid?
Your full pay before taxes are taken out
Most full-time jobs are 40
How many PTO hours you have left. Check your latest pay stub.
This changes the legal advice below, not the dollar amount.
Enter your pay and unused PTO hours to download the report.
What you'll be paid
Payout before taxes
$0.00
Enter your pay and unused PTO hours to see what you'll get paid and how much goes to taxes.
Estimates only. Tax withholding may differ based on your full-year income, filing status, and deductions. Consult a tax professional for exact figures.
Disclaimer: Calculations are based on the 2026 IRS Supplemental Wage Rate (22% flat federal withholding) and current state labor department guidelines. Always consult an employment attorney for binding legal disputes.
Estimates only. PTO payout rights and tax withholding vary by state, employer policy, and individual circumstances. This is not legal, tax, or financial advice. Consult your state labor department or a qualified professional. See our methodology.
How to calculate your PTO payout.
To calculate your PTO payout, multiply your accrued unused PTO hours by your hourly rate for the gross amount, then subtract supplemental tax withholding — 22% federal, your state rate, and 7.65% FICA — to get your net take-home. The PTO payout tax rate is 22% federal flat withholding plus state and FICA.
1. Find your hourly rate. If you are salaried, divide your annual salary by 2,080 (52 weeks × 40 hours). Hourly employees use their stated rate.
2. Multiply by accrued hours. Take your unused PTO balance and multiply it by your hourly rate to get the gross payout.
3. Subtract taxes. PTO payouts are supplemental wages: 22% federal withholding, your state rate, and 7.65% FICA. What remains is your net take-home.
Want the law for your state? See our 50-state guide, read how it works, or browse common PTO questions.
# PTO Payout Formula hourly_rate = annual_salary / (hours_per_week × 52) gross_payout = accrued_hours × hourly_rate # Example: $65,000 salary, 80 PTO hours $65,000 / (40 × 52) = $31.25/hr $31.25 × 80 hours = $2,500.00 gross
Three steps to your exact payout.
Enter your pay details.
Your annual salary or hourly rate, and how many PTO hours you've accrued but haven't used.
Choose your state.
We apply the correct state tax rate and show whether your state legally requires your employer to pay out unused PTO.
Get your full breakdown.
Gross payout, federal tax, state tax, FICA, and your real net take-home — plus a downloadable PDF for your records.
Know your rights in your state.
16 states require PTO payout by law. 29 states depend on your written policy. 6 states have no requirement at all. Check where your state stands.
View all 50 states →California
All accrued vacation is earned wages in California. Use-it-or-lose-it policies are illegal and unused PTO must be paid at the final rate of pay upon separation.
California PTO laws →Colorado
Accrued vacation is treated as wages under Colorado law. Earned PTO cannot be forfeited and must be paid out at separation regardless of reason.
Colorado PTO laws →Texas
Texas has no state law requirement. Your rights depend entirely on your employment contract and company PTO policy.
Texas PTO laws →PTO & pay calculators for every question.
Vacation Payout Calculator
The same payout math under the "vacation payout" name.
PTO Payout Tax Calculator
Your payout after 22% federal, state tax, and FICA.
PTO Accrual Calculator
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PTO Cash-Out Calculator
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Accrual to Lump-Sum PTO Calculator
Prorate the switch from accrual to front-loaded PTO without double-crediting time.
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Convert a PTO hour balance into workdays at a glance.
Final Paycheck Calculator
Unpaid wages plus accrued PTO owed at separation.
Severance Pay Calculator
Estimate a severance package from tenure and pay.
Salary to Hourly Calculator
Convert an annual salary into an accurate hourly rate.
Military Leave Payout Calculator
Sell-back value of unused military leave at 1/30 of basic pay.
Stop guessing. Calculate your exact payout.
Trusted by employees across all 50 states. Free, instant, no account required.
Frequently asked questions.
Is PTO payout taxed as regular income? +
Yes. PTO payouts are classified as supplemental wages by the IRS. Federal withholding is applied at the flat 22% supplemental rate (37% if over $1M total). State and FICA taxes also apply. Use our calculator to see your estimated net payout by state.
Does my employer have to pay out my unused PTO? +
It depends on your state. 24+ states require payout of accrued vacation upon termination. States like California, Colorado, and Massachusetts treat accrued PTO as earned wages that cannot be forfeited. Other states leave it up to company policy.
How is PTO payout calculated for salaried employees? +
Divide your annual salary by 2,080 (52 weeks × 40 hours) to get your hourly rate, then multiply by your unused PTO hours. For example: $65,000 ÷ 2,080 = $31.25/hr × 80 hours = $2,500 gross.
What is the difference between PTO payout and severance? +
PTO payout is compensation for earned-but-unused paid time off — it may be legally required depending on your state. Severance is additional compensation an employer may (but rarely must) offer when ending employment.
Can I get a PDF of my calculation? +
Yes. Our calculator includes a free PDF export with your full breakdown: gross payout, tax withholding, and net take-home. No signup required.