PTO Calculator: Paid Time Off & Vacation Accrual
Free PTO accrual calculator. Enter your annual PTO days, accrual method, and start date to see PTO accrued to date, balance remaining in days and hours, and a 12-month projection. No sign-up required.
PTO Accrued
11.3 days
90 hrs
PTO Used
3.0 days
24 hrs
PTO Remaining
8.3 days
66 hrs
Next Accrual
Dec 1, 2026
+1.25 days
12-Month Accrual Projection
| Month | Accrued | Cumulative | Balance |
|---|---|---|---|
| Jan 2026 | +1.25 | 1.25 | -1.75 |
| Feb 2026 | +1.25 | 2.50 | -0.50 |
| Mar 2026 | +1.25 | 3.75 | 0.75 |
| Apr 2026 | +1.25 | 5.00 | 2.00 |
| May 2026 | +1.25 | 6.25 | 3.25 |
| Jun 2026 | +1.25 | 7.50 | 4.50 |
| Jul 2026 | +1.25 | 8.75 | 5.75 |
| Aug 2026 | +1.25 | 10.00 | 7.00 |
| Sep 2026 | +1.25 | 11.25 | 8.25 |
| Oct 2026 | +1.25 | 12.50 | 9.50 |
| Nov 2026 | +1.25 | 13.75 | 10.75 |
| Dec 2026 | +1.25 | 15.00 | 12.00 |
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Track PTO Alongside Your Work Hours
Rize shows your complete time picture -- work hours, breaks, and time off in one dashboard. See where your time goes without manual entry.
Who This Calculator Is For
This PTO calculator works for anyone who needs to track vacation accrual and plan time off. Here are the most common use cases.
Employees planning vacations
See exactly how many PTO days you have available and when your next accrual hits. Plan trips with confidence knowing your balance is accurate.
HR managers tracking accruals
Verify PTO balances across different accrual methods. Compare monthly, bi-weekly, and semi-monthly schedules to choose the right policy for your team.
Freelancers budgeting time off
Even without employer PTO, freelancers need to plan for unpaid time off. Use this calculator to set an annual target and track how much time off you can afford.
Small business owners setting policy
Model different PTO policies (10 vs 15 vs 20 days) and accrual methods to find the right balance between employee satisfaction and operational coverage.
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Frequently Asked Questions
Divide your annual PTO days by the number of accrual periods per year. For monthly accrual with 15 days/year: 15 / 12 = 1.25 days per month. For bi-weekly accrual: 15 / 26 = 0.577 days per pay period. Multiply the per-period accrual by the number of periods elapsed to get your accrued balance.
PTO (Paid Time Off) is a single bank of days that covers vacation, sick leave, and personal days. Traditional vacation policies separate these into distinct categories. PTO gives employees more flexibility but may result in people coming to work sick to save days for vacation.
With bi-weekly accrual, PTO is earned every two weeks (26 pay periods per year). If you get 15 PTO days annually, you accrue 0.577 days (about 4.62 hours based on an 8-hour day) every two weeks. This method aligns with bi-weekly payroll schedules.
It depends on your employer's policy and state law. Some companies have use-it-or-lose-it policies (illegal in some states like California, Montana, and Nebraska). Others allow carry-over with a cap. Some states require PTO payout upon termination regardless of policy.
According to the Bureau of Labor Statistics, US workers average 10 days of PTO after 1 year, 15 days after 5 years, 17 days after 10 years, and 20 days after 20 years. These averages vary by industry: tech companies typically offer 15-20 days from the start.
There is no federal requirement for PTO, so it depends on the employer. Many companies prorate PTO for part-time workers based on hours worked. For example, a half-time employee (20 hrs/week) might receive 50% of the full-time PTO allocation.
California, Colorado, Illinois, Indiana, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, Nebraska, New York, North Carolina, North Dakota, Oregon, and West Virginia require employers to pay out accrued, unused PTO when an employee leaves. Rules vary by state.
Automatic time tracking software like Rize records your work hours in the background and shows your complete time picture. Instead of managing PTO in a separate spreadsheet, you can see work hours, breaks, and time off all in one dashboard with no manual entry.