All the calculations heroAll The Calculations

finance calculator

PTO Payout Calculator

Convert accrued PTO hours to a gross payout and estimated net after federal, state, and FICA withholding.

Results

Gross PTO payout
$3,600
Federal withholding
$792
State withholding
$180
FICA withholding
$275
Total withholding
$1,247
Net PTO payout
$2,353

How to use this calculator

  1. Enter accrued PTO hours and your hourly rate.
  2. Enter federal, state, and FICA withholding rates.
  3. See gross payout, withholding breakdown, and estimated net.

Inputs explained

Accrued hours
Total PTO hours eligible for payout.
Hourly rate
Your hourly pay rate used for PTO payout.
Federal/State rates
Supplemental withholding rates your employer uses.
FICA
Social Security + Medicare combined; reduce if over wage base.

How it works

Gross payout = accrued hours × hourly rate.

Withholding = gross × each rate (federal, state, FICA). Net = gross − total withholding.

Formula

Gross = Hours × Hourly rate
Federal = Gross × Fed%
State = Gross × State%
FICA = Gross × FICA%
Net = Gross − (Federal + State + FICA)

When to use it

  • Planning take-home from a PTO cash-out or offboarding payout.
  • Comparing state tax impacts on PTO payout.
  • Pairing with bonus gross/net tools to budget a final paycheck.

Tips & cautions

  • If you are over the Social Security wage base, reduce the FICA rate to reflect only Medicare.
  • State/local taxes vary—add local tax by increasing the state rate if needed.
  • Actual payroll withholding may differ slightly; this is a flat-rate estimate.
  • Does not include local taxes or other deductions (benefits, garnishments).
  • Assumes PTO is paid at your base hourly rate; some policies differ.
  • Flat-rate withholding; payroll tables may differ slightly.

Worked examples

120 hours @ $30/hr, 22% federal, 5% state, 7.65% FICA

  • Gross = $3,600
  • Total withholding ≈ $1,294
  • Net ≈ $2,306

80 hours @ $28/hr, 22% federal, 0% state, 7.65% FICA

  • Gross = $2,240
  • Total withholding ≈ $658
  • Net ≈ $1,582

Deep dive

This PTO payout calculator shows gross payout from accrued hours and estimates net after federal, state, and FICA withholding.

Use it to budget a PTO cash-out or final paycheck and to see how tax rates affect take-home.

FAQs

Are local taxes included?
No. Increase the state rate to approximate local taxes.
What if PTO pays at a different rate?
Adjust hourly rate to match your policy.
Over the Social Security cap?
Lower the FICA rate to Medicare-only for wages above the cap.
Other deductions?
This focuses on tax withholding. Benefits/garnishments are not included.
Supplemental vs regular withholding?
Use your payroll's supplemental rates for payouts; this calculator uses flat rates for simplicity.

Related calculators

finance

Bonus Net Calculator

See net bonus after federal, state, and FICA withholding from a gross bonus.

finance

Bonus Gross-Up Calculator

Find the gross bonus needed to deliver a target net after federal, state, and FICA withholding.

finance

Paycheck Tax Withholding Calculator

Estimate paycheck net by applying federal, state, and FICA withholding to gross pay minus pre-tax deductions.

Estimate only. Actual payroll withholding may differ due to wage bases, local taxes, and employer policies. Confirm with payroll for exact amounts.