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Download the free Final Paycheck & PTO Payout Checklist to review your pay, PTO balance, vacation payout, employer policy, and final paycheck details before relying on an estimate.
PTO & Final Paycheck Calculators
Final Paycheck Calculator
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
Final Paycheck Estimate
Estimate regular pay, overtime, unused PTO payout, withholding, deductions, and net final paycheck amount.
How to Use This Final Paycheck Calculator
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.
Final Paycheck Formula
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.
Gross final paycheck = regular pay + overtime pay + PTO payout.
Net estimate = gross final paycheck - estimated withholding - additional deductions.
Worked Example
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.
Information to Gather First
- Your hourly wage or annual salary.
- Final pay period start date and last working date.
- Regular hours worked in the final pay period.
- Overtime hours and the overtime multiplier that applies.
- Unused PTO hours and the PTO payout rate, if payout may apply.
- Expected withholding percentage and known deductions.
Common Final Paycheck Mistakes
- Entering total pay-period hours when some hours have already been paid.
- Forgetting overtime or using the wrong overtime multiplier.
- Including PTO payout even when the written policy does not provide it.
- Ignoring benefit deductions, advances, or authorized deductions.
- Using the calculator to estimate payment deadlines instead of paycheck amount.
Texas Overtime Estimate
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.
PTO Payout and Final Pay Decisions
If unused PTO may be part of your last paycheck, use the PTO payout tax calculator to estimate possible withholding and deductions on that payout.
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.
State and Legal Caution
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.
Related Calculators and Guides
Frequently Asked Questions
What does the final paycheck calculator include?
It estimates regular pay, overtime pay, unused PTO payout, withholding, additional deductions, gross pay, and net pay.
How does the calculator handle salary 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.
Can final paycheck timing vary by state?
Yes. Some states have specific timing rules, and the answer can depend on whether the employee quit, was terminated, or was laid off.
Should I include PTO in a final paycheck estimate?
Include unused PTO only if you believe payout may apply under state law, written employer policy, contract, or an employment agreement.
Why might my real final paycheck be different?
Payroll taxes, benefit deductions, wage garnishments, overtime rules, bonuses, commissions, and employer policies can change the final amount.
Does this include final paycheck timing rules?
No. The calculator estimates the amount of pay. Timing rules vary by state and separation type, so verify deadlines separately.