PTO & Final Paycheck Calculators
Estimate your final paycheck amount using final-period hours, overtime, unused PTO, estimated withholding, and deductions.
Estimate only: This calculator provides an estimate only and is not legal, tax, payroll, or financial advice. PTO and final paycheck rules depend on state law, employer policy, employment agreement, and local regulations.
Browser-based estimate
Estimate regular pay, overtime, unused PTO payout, withholding, deductions, and net final paycheck amount.
Leaving a job soon? Download the free Final Paycheck & PTO Payout Checklist to review your PTO balance, vacation payout, employer policy, final paycheck items, and important documents before relying on an estimate.
Use this calculator to estimate the amount of your last paycheck after regular hours, overtime, possible PTO payout, withholding, and deductions. It is most useful when you already know the hours worked in your final pay period.
The calculator estimates dollars only. It does not decide when the paycheck is due, whether a deduction is allowed, or whether a PTO payout must be included.
Regular pay = final-period hours worked x hourly rate.
Overtime pay = overtime hours x hourly rate x overtime multiplier.
PTO payout = unused PTO hours x PTO hourly rate.
Vacation payout = unused vacation hours x vacation hourly rate.
Gross final paycheck = regular pay + overtime pay + PTO payout + vacation payout + reimbursements + bonuses or commissions.
Net estimate = gross final paycheck - estimated withholding - additional deductions.
For a salaried employee, this calculator uses annual salary / 2,080 as a simple hourly-rate estimate, then multiplies that rate by final-period hours entered. That can help with planning when payroll prorates a partial pay period.
Your employer may use a different salary proration method based on pay frequency, exempt status, daily rate, workdays in the pay period, or company payroll rules. Ask payroll for the exact method if the final check does not match your estimate.
Unused vacation may be included if state law, employer policy, or an agreement supports payout. Some states are more protective of earned vacation, while others rely heavily on written policy.
Use the vacation payout calculator for a focused vacation estimate and compare the answer with the PTO payout laws by state directory.
A final paycheck estimate can include regular wages, overtime, bonuses, reimbursements, deductions, and possible PTO payout. A PTO payout estimate focuses only on unused paid time off value.
If your main question is unused paid time off, use the PTO payout calculator first, then add the result here only if payout may apply.
Vacation payout is one possible line item inside a final paycheck. Your last paycheck may also include regular wages, overtime, commissions, reimbursements, or deductions unrelated to vacation.
Keep vacation payout separate from sick leave or general PTO unless your policy clearly combines those categories.
Final pay may be reduced by tax withholding, benefit premiums, retirement contributions, wage garnishments, repayment agreements, advances, equipment deductions, or other authorized deductions.
Some deductions may be limited by state law or minimum wage rules, so verify any unexpected deduction with payroll and official guidance.
Example: an employee earns $30 per hour, worked 32 regular hours, has 4 overtime hours at 1.5x, and expects 8 PTO hours paid at $30 per hour.
Regular pay is $960, overtime is $180, and PTO payout is $240. Gross final paycheck is $1,380. With 20% withholding and $25 in deductions, estimated net pay is $1,079.
Before relying on a final pay estimate, gather your final timesheet, recent pay stubs, PTO and vacation balances, handbook, resignation or termination paperwork, commission plan, benefit deductions, and written payroll messages. The free final paycheck checklist can help organize those items.
If you work in Texas and mainly need a weekly overtime estimate, use the Texas overtime pay calculator before adding the result to a final paycheck estimate.
If unused PTO or vacation may be part of your last paycheck, use the PTO and vacation payout tax calculator to estimate possible withholding and deductions on that payout. If the balance is separate vacation, estimate it first with the vacation payout calculator.
If you are still deciding whether to use PTO before leaving or wait for payout, read is it better to use PTO or get paid out? before making plans based on one estimate.
Final paycheck timing and permitted deductions vary by state and separation type. Quitting, being discharged, being laid off, or retiring can lead to different timing rules in some states.
This calculator is not legal, tax, payroll, or financial advice. Verify final pay timing, deductions, and PTO payout rules with official guidance and your written policy.
It estimates regular pay, overtime pay, unused PTO payout, withholding, additional deductions, gross pay, and net pay.
For salary entries, it estimates an hourly rate by dividing annual salary by 2,080 and then multiplies that rate by the final-period hours entered.
Yes. Some states have specific timing rules, and the answer can depend on whether the employee quit, was terminated, or was laid off.
Include unused PTO only if you believe payout may apply under state law, written employer policy, contract, or an employment agreement.
Payroll taxes, benefit deductions, wage garnishments, overtime rules, bonuses, commissions, and employer policies can change the final amount.
No. The calculator estimates the amount of pay. Timing rules vary by state and separation type, so verify deadlines separately.