Minnesota PTO cash-out calculator.
See the net value of cashing out unused PTO in Minnesota 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 Minnesota
A Minnesota 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 9.8% Minnesota 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 Minnesota 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 Minnesota?
Whether cashing out is worthwhile in Minnesota depends on your employer’s policy: payout at separation isn’t guaranteed by Minnesota law, so if your handbook allows forfeiture, cashing out may be the only way to capture the value before you leave. Use-it-or-lose-it is allowed here.
Minnesota pays out vacation when the employer’s policy or agreement promises it as compensation. If a cash-out or payout you are owed is not paid, you have 2–3 years to file an unpaid-wage claim with the Minnesota Department of Labor and Industry (reference: Minn. Stat. § 181.13). Confirm the current filing process before you file.
Frequently asked questions
How much is a PTO cash-out worth after tax in Minnesota?
A cash-out is a supplemental wage: 22% flat federal withholding, an estimated 9.8% Minnesota supplemental rate, and 7.65% FICA. Enter your rate and hours above to see the Minnesota net.
Can I cash out PTO while employed in Minnesota?
Cashing out PTO while still employed depends on your employer's policy, not Minnesota law — no state requires in-employment cash-out. Check your handbook for whether and when it is allowed.
Is a Minnesota cash-out taxed differently from a payout when I leave?
No. Both are supplemental wages with the same withholding: 22% federal, an estimated 9.8% Minnesota supplemental rate, and FICA. The difference is timing, not tax treatment.