Estimate the gross cash value of unused PTO before taxes. Useful when planning a job change or reviewing separation benefits.
Enter unused hours and your regular hourly rate. For salaried workers, divide annual salary by 2,080.
Enter values and click Calculate.
Results are estimates based on common PTO policies. Actual employer policies and state laws may differ. Full disclaimer.
Some states treat accrued vacation as earned wages due at termination.
Handbooks may promise payout even where state law is silent.
Payouts are typically taxed as supplemental wages — not the same as regular paycheck withholding.
PTO cash value = PTO hours × Hourly rate
Payout may be required, optional, or prohibited depending on state law and employer policy.
This calculator shows gross value only. Net pay after federal, state, and FICA withholding will be lower.
48 unused hours × $28/hour = $1,344 gross before taxes.
$65,000 salary ÷ 2,080 = $31.25/hr. 56 hours × $31.25 = $1,750 gross.
See which states commonly require unused PTO to be paid at separation.
State Payout Guide →Formulas reviewed against official labor and payroll resources.
Estimates based on common PTO policies. Employer policies and state laws may differ. Full disclaimer.