PTO Payout Calculator
Last updated: July 2026
Estimate the gross and net value of unused paid time off.
Estimated take-home PTO payout
—
- Gross PTO payout: —
- Estimated withholding: —
- PTO days at 8 hours/day: —
On this page
Quick summary: Estimate the gross and net value of unused paid time off. Enter realistic assumptions and compare more than one scenario before making a financial or insurance decision.
Read the complete guide
What this calculator estimates
Estimate the gross and net value of unused paid time off. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, tax determination, insurance offer, valuation or professional recommendation.
How to use it
Enter values from your payroll records, insurance quote, budget or financial statements. Keep time periods and rates consistent. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to test another scenario.
How the calculation works
Gross payout equals hourly pay times unused hours times the payout multiplier. Estimated withholding is subtracted using the rate entered.
Important limitations
Employer policy and state law determine whether PTO must be paid and whether all balances or payout percentages qualify.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the values entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.