How this PTO calculator works
Enter how many PTO days you earn per year, how many hours are in your work day, and how often you're paid. The calculator divides your yearly PTO into an amount earned each pay period — 15 days at 8 hours is 120 hours, or about 4.6 hours every two weeks — and adds it to your current balance for each paycheck between now and the date you choose.
If your employer caps how much PTO you can bank, enter the cap and the projection stops accruing at that limit. You can also enter the time off you plan to take before that date to see what will be left.
Accrual vs. front-loaded PTO
Some employers accrue PTO gradually each pay period, while others grant the full year's PTO on January 1 or your anniversary. This calculator models gradual accrual. If your PTO is front-loaded, enter your current balance and set the yearly days to 0 to project only how it gets used.
Getting the most from your PTO
- Watch your cap. If PTO stops accruing at a limit, take time off before you hit it or you effectively lose the days.
- Check carryover rules. Some employers reset or pay out unused PTO at year end; others let it roll over.
- Book around holidays. Days next to public holidays and weekends stretch further — see the vacation days calculator.
- Know your payout policy. Some states require unused PTO to be paid when you leave; others don't.
Frequently asked questions
How is PTO accrued?
Most employers add a fixed number of hours each pay period, based on your yearly entitlement. For example, 15 days a year with 8-hour days and biweekly pay accrues about 4.6 hours per paycheck.
How do I convert PTO days to hours?
Multiply days by the hours in your work day. Fifteen days at 8 hours a day is 120 hours.
What is an accrual cap?
A maximum PTO balance set by your employer. Once you reach it, you stop earning PTO until you use some.
Why is my balance different from this estimate?
Employers may accrue by hours worked, start accrual after a waiting period, round differently, or post PTO on set dates. Check your pay stub or HR portal for your exact policy.
Does this include sick leave and holidays?
No. Enter only the PTO that is used for vacation or personal time. Sick leave and public holidays are usually tracked separately.
This calculator is for general informational purposes only. Your employer's PTO policy and your pay records determine your actual balance.