Final paycheck calculator.
Add your unpaid regular wages and your accrued PTO payout to see your estimated last-day total after tax.
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.
Final paycheck for a terminated employee
Your last paycheck combines two things: regular wages you have already earned but not yet been paid, and a payout of your accrued unused PTO where it is owed. This calculator multiplies your hourly rate by both your unpaid regular hours and your accrued PTO hours, then estimates federal, state, and FICA withholding on the total.
Want just the PTO portion broken out with a full tax breakdown and PDF? Use the PTO payout calculator, and check your state's payout law to confirm what you are owed.
Final paycheck laws by state & requirements
Final paycheck requirements by state set the deadline for your last check and whether accrued PTO must be included. Deadlines range from the same day as termination (California, Colorado) to the next regular payday. Open your state for a pre-filled estimate:
Frequently asked questions
What is included in a final paycheck?
Your final paycheck includes any regular wages you earned but have not yet been paid, plus a payout of accrued unused PTO where state law or your policy requires it. Some states also require unused commissions or bonuses to be paid.
When must my employer pay my final paycheck?
Final-pay deadlines vary by state and by whether you quit or were discharged — from the next regular payday to the same day as termination. Several states impose waiting-time penalties for late final pay.
Is my final paycheck taxed differently?
Regular wages are withheld at your normal rate, while PTO payout and severance are supplemental wages withheld at a flat 22% federal rate. This tool applies the supplemental rate as an estimate; your actual tax is settled when you file.