PTO accrual calculator.
Find out how many PTO hours you have actually banked today from your annual allowance, hours used, and start date.
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Accrued unused PTO today
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 PTO accrual works
Most employers grant PTO gradually rather than all at once. Your balance at any moment is the share of your annual allowance you have earned so far, minus the hours you have already taken. This calculator pro-rates your yearly hours by the time elapsed since your accrual start date, then subtracts used hours to show your current unused balance.
Once you know your balance, see what it is worth: the PTO payout calculator turns accrued hours into a gross and net dollar amount after federal, state, and FICA tax. Restructuring company-wide? The accrual-to-lump-sum PTO transition calculator prorates a switch from accrual to front-loaded PTO.
Calculating PTO accrual per pay period
To find how much PTO you earn each paycheck, divide your annual PTO hours by the number of pay periods in your year. Here is how a few common annual allowances break down:
| Annual PTO | Weekly (52) | Biweekly (26) | Semi-monthly (24) | Per hour |
|---|---|---|---|---|
| 80 hrs (10 days) | 1.54 | 3.08 | 3.33 | 0.0385 |
| 120 hrs (15 days) | 2.31 | 4.62 | 5.00 | 0.0577 |
| 160 hrs (20 days) | 3.08 | 6.15 | 6.67 | 0.0769 |
Worked example: you get 120 PTO hours a year, paid biweekly. You earn 120 ÷ 26 = about 4.6 hours per paycheck. Six months in (13 pay periods) you have accrued roughly 60 hours; if you have used 16, your current balance is about 44 hours. Convert that to days with the hours-to-days calculator.
Average PTO accrual rate
The average PTO accrual rate for full-time US employees is about 0.0385 hours per hour worked — equivalent to 80 hours (10 days) per year. Typical PTO accrual rates increase with tenure: many employers offer 15 days after 5 years and 20 days after 10. The most common PTO accrual rate by pay period is roughly 3.08 hours per biweekly paycheck for a 10-day annual allowance.
Frequently asked questions
How is PTO accrual calculated?
PTO accrues in proportion to time worked. We pro-rate your annual allowance by the share of the year elapsed since your accrual start date, then subtract hours you have already used. Accrued balance = (annual hours × fraction of year worked) − hours used.
How much PTO do I earn per pay period?
Divide your annual PTO hours by the number of pay periods in your year — 26 for biweekly, 24 for semi-monthly, 52 for weekly. For example, 120 annual hours ÷ 26 = about 4.6 hours per biweekly paycheck.
What is the average PTO accrual rate?
A common full-time rate is 0.0385 hours of PTO per hour worked, which adds up to about 80 hours (two weeks) over a 2,080-hour year. Many employers increase this with tenure — often 15 days after 5 years and 20 after 10.
How many PTO hours do you accrue per hour worked?
Divide annual PTO hours by 2,080. For 80 annual hours: 80 ÷ 2,080 = 0.0385 hours of PTO per hour worked. At 120 annual hours it is about 0.0577 per hour.
What can I do with my accrued PTO balance?
You can keep accruing, use it as time off, or — when you leave a job — receive a payout for unused hours where state law or your policy requires it. Use the PTO payout calculator to see the gross and net value of your balance.