Pay, Time Off & Work Hour Calculators
Use this calculator to estimate how much PTO or vacation payout may remain after estimated withholding and deductions. This is a simplified estimate only and is not tax advice.
Browser-based estimate
Estimate gross PTO or vacation payout, user-entered withholding, deductions, and possible net payout before comparing the result with payroll records.
This calculator applies percentages and flat deductions entered by the user. It does not calculate filing-status withholding, payroll-tax limits, local taxes, final tax liability, or an employer's actual payroll method. Verify the pay statement and current official tax guidance.
Leaving a job soon? Download the free Final Paycheck & PTO Payout Checklist to review your PTO balance, vacation payout, employer policy, final paycheck items, and important documents before relying on an estimate.
This calculator uses simplified, editable withholding estimates. The 22% federal starting value reflects one optional 2026 supplemental-wage withholding method, not a universal tax rate or a prediction of final tax liability. Payroll may use another permitted method.
Actual withholding may also involve Social Security, Medicare, state or local tax, filing details, benefits, garnishments, year-to-date wages, and employer payroll settings that this tool does not calculate automatically.
Choose PTO payout or vacation payout, then enter hours or days, pay type, pay rate or annual salary, work schedule, and estimated deduction percentages. For salary mode, estimated hourly rate = annual salary / (hours per workweek x workweeks per year).
A 40-hour week across 52 weeks uses 2,080 annual work hours. Adjust both schedule fields when your normal annual work hours differ.
It then estimates gross payout, federal withholding, state withholding, other percentage deductions, flat deductions, and possible after-tax payout.
When PTO payout is paid as wages, it may be subject to federal, state, local, Social Security, Medicare, and other withholding. The way those lines appear can depend on payroll method, supplemental-wage treatment, tax forms, year-to-date wages, and deductions.
This calculator estimates withholding only. It does not determine final tax liability or whether a payout is legally owed.
IRS Publication 15 says vacation pay is subject to withholding and that an annual lump-sum payment for unused vacation is treated as a supplemental-wage payment. That does not mean every vacation payout uses the same withholding method or percentage.
Actual withholding can depend on employer payroll settings, federal and state rules, benefits, garnishments, and other deductions.
A PTO payout calculator after taxes starts with the gross payout, then subtracts estimated federal withholding, state withholding, other percentage deductions, and flat deductions. The result is an estimated after-tax payout.
This after-tax estimate is useful for planning, but it is not the same as final tax liability. Withholding can be higher or lower than the amount that ultimately applies when a tax return is filed.
Vacation pay or vacation payout may be included in gross wages when it is paid. Gross pay is the amount before withholding and deductions.
If your main question is the payout amount before taxes, start with the vacation payout calculator. If you are combining payout with final wages, use the final paycheck calculator.
A payout may be processed differently from a normal paycheck. It may be added to a final paycheck, paid separately, or handled with payroll settings that produce higher withholding.
Withholding is not always the same as final tax liability. A paycheck may withhold more or less than what ultimately applies on a tax return.
Example: PTO hours are 40 and the hourly rate is $25. Gross payout is 40 x $25 = $1,000.
A federal estimate at 22% is $220. A state estimate at 5% is $50. The estimated after-tax amount is $730 before other deductions.
Example: unused vacation is 5 days, a workday is 8 hours, and the hourly rate is $30. Gross vacation payout is 5 x 8 x $30 = $1,200.
If estimated federal withholding is 22% and estimated state withholding is 4%, the withholding estimate is $312, before any flat deductions or other payroll deductions.
This calculator does not model filing status, dependents, pre-tax deductions, local taxes, wage garnishments, retirement elections, supplemental wage methods, year-to-date withholding, or employer-specific payroll settings.
Use it to understand the moving parts, then compare the result with your final paycheck, pay stub, payroll department, tax professional, or official tax resources.
The federal starting percentage is based on one optional method described in the 2026 employer guide. The guide also describes an aggregate method and separate treatment for certain high supplemental-wage totals. This calculator does not choose the method for your employer.
For a personal withholding review, use current IRS resources and compare them with the actual payment and Form W-4 information.
When PTO payout is paid as wages, it may be subject to federal, state, local, Social Security, Medicare, and other withholding. Actual treatment depends on payroll method and individual facts.
IRS Publication 15 says vacation pay is subject to withholding and that certain lump-sum unused-vacation payments are treated as supplemental wages. The employer's method and other deductions can still differ.
Vacation pay or vacation payout may be included in gross wages when paid. The exact paycheck treatment depends on employer payroll setup, policy, deductions, and applicable rules.
A paid PTO amount may have federal withholding, state or local withholding, payroll taxes, and other deductions. This calculator does not determine which method an employer must use.
The 22% value reflects one optional 2026 federal supplemental-wage withholding method described in IRS Publication 15. It is editable and is not a universal tax rate or final tax-liability estimate.
Withholding may look high if the payout is processed as supplemental wages, added to a final paycheck, or affected by payroll settings. Withholding is not always the same as final tax liability.
State or local withholding may apply depending on the jurisdiction, payroll treatment, and individual facts. Enter a percentage only when you have a reasonable estimate from payroll records or current official guidance.
No. It is a simplified estimate only and is not legal, tax, payroll, or financial advice.
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, payout, final paycheck, and tax results can depend on state law, employer policy, employment agreement, payroll rules, tax rules, deductions, and individual facts. Before relying on this estimate, check your employer handbook, pay stub, written PTO policy, final paycheck statement, and official state labor guidance where relevant. Verify with official sources, your employer, or a qualified professional.