PTO & Final Paycheck Calculators
Estimate how much PTO you have earned and how much may be available based on common accrual methods.
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 accrued PTO hours, equivalent days, PTO used, and remaining available PTO based on your accrual method.
Choose the accrual method that matches your employer policy: hours earned per pay period, days earned per year, or hours earned per hour worked. Then enter the number of pay periods completed, hours worked, or accrual rate needed for that method.
The result estimates accrued PTO, equivalent days, PTO already used, and available PTO. It does not apply every employer-specific cap or rounding rule.
Days per year method: annual PTO hours = annual PTO days x hours per workday. Accrued PTO = annual PTO hours / pay periods per year x completed pay periods.
Hours per pay period method: accrued PTO = PTO hours earned per pay period x completed pay periods.
Hours per hour worked method: accrued PTO = hours worked x accrual rate per hour.
Available PTO = accrued PTO - PTO already used.
Example: an employee receives 10 PTO days per year, works 8-hour days, is paid biweekly, and has completed 6 pay periods.
Annual PTO hours are 10 x 8 = 80. Biweekly accrual is 80 / 26 = 3.08 hours per pay period. After 6 pay periods, estimated accrued PTO is 18.46 hours. If 8 hours were used, available PTO is 10.46 hours.
PTO accrued per pay period usually equals annual PTO hours divided by pay periods per year. For example, 80 annual PTO hours divided by 26 biweekly pay periods equals about 3.08 hours per paycheck.
If the policy lists a fixed pay-period accrual amount, use that number directly instead of recalculating from annual days.
Typical PTO accrual often starts around 1 to 2 weeks per year for newer employees and may increase with service, but every employer policy is different. Some employers accrue by hours worked, while others accrue by pay period or grant time up front.
Use the policy value rather than a generic average whenever possible.
A PTO accrual schedule shows how paid time off is earned over each pay period. The schedule can change based on annual PTO allowance, pay frequency, full-time or part-time status, and employer policy.
Weekly accrual = annual PTO hours / 52. Biweekly accrual = annual PTO hours / 26. Semimonthly accrual = annual PTO hours / 24. Monthly accrual = annual PTO hours / 12.
| Annual PTO | Weekly Accrual | Biweekly Accrual | Semimonthly Accrual | Monthly Accrual |
|---|---|---|---|---|
| 1 week / 40 hours per year | 0.77 hours | 1.54 hours | 1.67 hours | 3.33 hours |
| 2 weeks / 80 hours per year | 1.54 hours | 3.08 hours | 3.33 hours | 6.67 hours |
| 3 weeks / 120 hours per year | 2.31 hours | 4.62 hours | 5.00 hours | 10.00 hours |
| 4 weeks / 160 hours per year | 3.08 hours | 6.15 hours | 6.67 hours | 13.33 hours |
If 3 weeks of vacation equals 120 hours per year, the approximate accrual rates are: weekly 120 / 52 = 2.31 hours per week, biweekly 120 / 26 = 4.62 hours per paycheck, semimonthly 120 / 24 = 5 hours per paycheck, and monthly 120 / 12 = 10 hours per month.
If your employer tracks vacation separately from PTO, compare this estimate with the vacation accrual calculator and use the vacation balance calculator to subtract vacation already used.
PTO time can be estimated by starting with the annual PTO allowance, converting it to hours if needed, then dividing it by the number of pay periods or weeks in the year.
Use the paid time off calculator for a broader balance estimate, the PTO conversion calculator to convert days or weeks into hours, and the PTO payout calculator only after checking whether payout may apply.
PTO accrual is usually controlled by employer policy, but state or local rules can affect how earned time is handled. Some policies also treat vacation, sick leave, personal leave, and PTO differently.
Use this calculator as a private estimate only. Your payroll system, written policy, and current state guidance are the sources to verify before relying on a balance.
A PTO accrual schedule shows how paid time off is earned over time, often by week, pay period, month, hours worked, or service year.
Convert the annual PTO allowance to hours, then divide by the number of paychecks in the year. For example, 80 annual hours divided by 26 biweekly paychecks is about 3.08 hours per paycheck.
If 3 weeks equals 120 hours per year, the approximate accrual rate is 2.31 hours weekly, 4.62 hours biweekly, 5 hours semimonthly, or 10 hours monthly.
Start with the annual PTO allowance, convert days or weeks to hours if needed, then divide by pay periods or weeks in the year. Subtract PTO already used to estimate available time.
It can be. Some employers prorate PTO based on scheduled hours or hours worked, while others use separate part-time rules. Check the written policy.
No. Unused PTO payout can depend on state law, employer policy, employment agreement, and leave type. The accrual estimate does not decide payout rights.
Estimate only: This calculator or guide provides an estimate or general information only and is not legal, tax, payroll, or financial advice. PTO, vacation, sick leave, rollover, payout, and final paycheck rules can depend on state law, employer policy, employment agreement, local rules, and individual facts. Verify with official sources, your employer, or a qualified professional.