PTO Payout Calculator
Estimate the value of unused paid time off when it's cashed out — for example when you leave a job. Enter your unused hours and hourly rate to see the gross payout and a rough after-tax figure.
Your details
- After tax (est.)
- $1,872.00
After tax vs withholding
- After tax (est.)
- $1,872.0078%
- Withholding (22%)
- $528.0022%
Formula
Payout = unused PTO hours × hourly rate. The after-tax estimate applies the 22% federal supplemental withholding rate that commonly applies to lump-sum payouts.
How it works
PTO payouts are treated as supplemental wages, so they're often withheld at a flat 22% federally (plus FICA and any state tax). Whether unused PTO is paid out at all depends on your employer and state law.
Frequently asked questions
How is a PTO payout taxed?⌄
It's supplemental wages, commonly withheld at a flat 22% for federal tax, plus Social Security, Medicare, and any state tax. Your final tax depends on your overall return.
Do employers have to pay out unused PTO?⌄
It depends on state law and company policy. Some states require payout of accrued vacation on separation; others leave it to the employer's policy.
How do I find my hourly rate if I'm salaried?⌄
Divide your annual salary by 2,080 (40 hours × 52 weeks) to get an approximate hourly rate for the payout.
Sources & methodology
Hours × rate; after-tax uses the 22% federal supplemental rate. Excludes FICA and state tax; payout eligibility varies by state and employer.
- •IRS — supplemental wages — IRS
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