Free to Use • No Signup Required • Updated June 2026

PTO Calculator

Calculate PTO earned per pay period, remaining balance, and workday equivalents from your annual allowance and pay frequency. Free, no signup.

Calculator

Enter your annual PTO hours and how often you are paid. Optional fields refine partial-year and cap scenarios.

hours
Total PTO hours your employer provides per year
How often you receive a paycheck
Partial-year accrual estimate (optional)
hours
Hours already in your PTO bank (optional)
hours
Used to convert hours into days
hours
Maximum PTO hours you can bank (optional)

Enter values and click Calculate.

Results are estimates based on common PTO policies. Actual employer policies and state laws may differ. Full disclaimer.

How PTO accrual works

Most U.S. employers use one of these accrual models. Your handbook defines which applies to you.

Per paycheck

Annual hours are divided evenly across pay periods.

Per period = Annual PTO ÷ Pay periods per year

Per hour worked

Common for hourly staff. PTO earns as you work.

PTO earned = Hours worked ÷ Accrual ratio

Lump sum (front-loaded)

Full year available on day one. Mid-year departures may trigger deductions under some policies.

Formula reference

PTO per pay period = Annual PTO ÷ Pay periods per year

PTO earned = Per-period accrual × Pay periods worked (or full annual allotment)

Workdays equivalent = PTO hours ÷ Hours per workday

InputExample
Annual PTO120 hours
Biweekly accrual120 ÷ 26 ≈ 4.62 hrs

If your employer caps balances, accrual may pause when you reach the maximum until you use time off.

Common annual PTO allotments by pay frequency

Quick reference for how many hours you earn each period at typical U.S. planning levels.

Annual PTO Biweekly (26) Semi-monthly (24) Monthly (12)
80 hrs (10 days) 3.08 hrs 3.33 hrs 6.67 hrs
120 hrs (15 days) 4.62 hrs 5.00 hrs 10.00 hrs
160 hrs (20 days) 6.15 hrs 6.67 hrs 13.33 hrs
200 hrs (25 days) 7.69 hrs 8.33 hrs 16.67 hrs

How to use the PTO calculator

Start with your annual PTO grant from your offer letter or employee handbook. Match your pay frequency to see per-period accrual and compare against your HR portal.

Step-by-step

  1. Enter total annual PTO hours from your handbook or offer letter.
  2. Select pay frequency — biweekly (26 periods) is most common.
  3. Optional: enter pay periods worked for a partial-year estimate.
  4. Add current balance to see remaining hours in workday equivalents.

Worked examples

Biweekly employee, 15 days PTO

120 annual hours ÷ 26 = 4.62 hours per paycheck. After 13 periods (~6 months), you have accrued about 60 hours before usage.

Monthly employee, 20 days PTO

160 annual hours ÷ 12 = 13.33 hours per month. That equals roughly 1.67 eight-hour workdays per month.

Planning tips

  • Verify accrual on your pay stub — look for "PTO earned this period."
  • Part-time workers often receive prorated annual hours based on scheduled hours.
  • Use our accrual rate chart to benchmark against tenure and industry averages.

Benchmark your accrual rate

See how your per-paycheck rate compares to national planning ranges.

View Accrual Rate Chart →

Sources

Formulas reviewed against official labor and payroll resources.

Estimates based on common PTO policies. Employer policies and state laws may differ. Full disclaimer.