Connecticut PTO cash-out calculator.
See the net value of cashing out unused PTO in Connecticut after federal, state, and FICA tax.
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Gross payout before taxes
Select a state to see your net take-home estimate
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.
Cashing out PTO in Connecticut
A Connecticut cash-out pays your hourly rate for each unused PTO hour while you stay employed. Because it is a supplemental wage, withholding is 22% federal, an estimated 6.5% Connecticut supplemental rate, and 7.65% FICA — so your take-home is noticeably less than the gross. Whether a cash-out is offered at all is set by your employer's policy.
Leaving instead of cashing out? See your full payout and the law on the Connecticut PTO payout guide, run the numbers in the free PTO payout calculator, or weigh keeping the time with the rollover calculator.
Should you cash out PTO in Connecticut?
Because Connecticut treats accrued vacation as earned wages, you don’t have to cash out early to get your money — unused PTO must be paid when you leave the job. Cashing out now mainly helps if you want the cash sooner, since the tax is identical either way. Use-it-or-lose-it forfeiture of earned time is allowed in Connecticut.
Connecticut requires payout of accrued fringe benefits, including vacation, when the employer’s policy provides for it. If a cash-out or payout you are owed is not paid, you have 2 years to file an unpaid-wage claim with the Connecticut Department of Labor, Wage and Workplace Standards Division (reference: Conn. Gen. Stat. § 31-76k). Confirm the current filing process before you file.
Frequently asked questions
How much is a PTO cash-out worth after tax in Connecticut?
A cash-out is a supplemental wage: 22% flat federal withholding, an estimated 6.5% Connecticut supplemental rate, and 7.65% FICA. Enter your rate and hours above to see the Connecticut net.
Can I cash out PTO while employed in Connecticut?
Cashing out PTO while still employed depends on your employer's policy, not Connecticut law — no state requires in-employment cash-out. Check your handbook for whether and when it is allowed.
Is a Connecticut cash-out taxed differently from a payout when I leave?
No. Both are supplemental wages with the same withholding: 22% federal, an estimated 6.5% Connecticut supplemental rate, and FICA. The difference is timing, not tax treatment.