๐Ÿ›  PTO Tools
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PTO Calculator

Project your PTO balance through any future date. Handles accrual or flat allowance, holidays, and planned trips.

Use the calculator โ†’
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PTO Optimizer

Turn 10 days of PTO into 24+ days off by strategically placing your vacation around holidays and weekends.

Optimize my PTO โ†’
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PTO Payout Calculator

Leaving a job? Estimate how much you'll receive for your unused PTO balance โ€” and check your state's payout laws.

Calculate my payout โ†’
โšก Other Free Tools
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Raise Calculator

Estimate your new take-home pay after a salary raise, including 401k adjustments.

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It's 5 O'Clock Somewhere

Live world map showing where it's exactly 5pm right now. Set your city for a happy hour countdown.

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Where Your Taxes Go

Enter your salary and state to see a real dollar breakdown of where your federal and state taxes are spent.


๐Ÿ“– PTO Guides
PTO Basics

How to Calculate Your PTO Accrual Rate

Step-by-step formulas for every pay schedule โ€” weekly, biweekly, semi-monthly, and monthly. With worked examples.

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Year-End PTO

What Happens to Unused PTO at Year End?

Use-it-or-lose-it policies explained, plus which states require employers to pay out unused vacation.

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Benchmarks

How Many Vacation Days Do Americans Get?

See how your PTO compares nationally, by industry, company size, and years of service.

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๐Ÿ’ผ HR Software Reviews
HR Software

Best HR Software for Small Business in 2026

Gusto, BambooHR, Rippling, and Justworks compared side-by-side with real pricing, pros, cons, and who each is best for.

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HR Software Review

Gusto Review 2026: Pricing, Features, and Who It's Best For

A full breakdown of Gusto's three plans, what you actually pay at different team sizes, and honest takes on strengths and weaknesses.

Read the guide โ†’
HR Software Comparison

Gusto vs. BambooHR 2026: Which Is Right for Your Company?

Head-to-head comparison of the two most popular small business HR platforms โ€” payroll, PTO, onboarding, pricing, and a clear verdict.

Read the guide โ†’

๐Ÿ› State PTO Law Guides โ€” All 50 States + DC
PTO Laws by State โ€” Master Comparison
All 51 jurisdictions in one table โ€” final paycheck deadlines, sick leave mandates, paid family leave, and penalty structures. Start here if you want to compare states.
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California
Accrued PTO = wages
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New York
ESSTA + PFL
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Illinois
PLAWA โ€” any reason
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Texas
No mandate
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Florida
No mandate
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Washington
PFML + sick leave
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Colorado
HELP Rules + FAMLI
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Massachusetts
PFML + treble damages
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New Jersey
NJFLA + TDI
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Connecticut
CTPL phase-in
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Arizona
Prop 206 โ€” triple damages
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Rhode Island
HSFWA + TDI/TCI
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Minnesota
ESST all employers
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Maine
Any-reason paid leave
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New Mexico
HWA โ€” 64hr cap
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Missouri
Local ordinances blocked
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Louisiana
Policy enforced
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Hawaii
PHCA + TDI
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Delaware
HDFA 2026
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Wisconsin
Vacation = wages
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Georgia
Local blocked (ยง34-1-11)
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Nevada
SB 312 โ€” any reason
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Oregon
PLO + sick leave
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Pennsylvania
Philly + Pittsburgh
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Virginia
VWPA double damages
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North Carolina
NCWHA enforces policy
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Maryland
HWFA + triple damages
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Michigan
ESTA restored 2025
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Ohio
No mandate, local blocked
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Vermont
All employers covered
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Indiana
Die & Mold rule on vacation
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Tennessee
21-day final paycheck rule
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South Carolina
SCPWA + triple damages
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Kentucky
14-day final paycheck rule
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Alabama
No state wage statute
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Mississippi
No wage statute (one of two)
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Oklahoma
ยง 165.3 + 2% daily penalty
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Iowa
ยง 91A + attorney fees
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Idaho
10-day / 48-hour demand rule
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Utah
24-hour final paycheck rule
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Arkansas
7-day rule + double damages
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Kansas
KWPA + 1%/day penalty
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Nebraska
ยง 48-1230 "sooner of" rule
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West Virginia
WPCA โ€” up to 3ร— recovery
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New Hampshire
72-hour final paycheck rule
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Alaska
3-working-day + 90-day penalty wages
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Montana
Only non-at-will state (WDEA)
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Wyoming
5-working-day uniform rule
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North Dakota
15-day "sooner of" rule
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South Dakota
Next payday + 5-day demand acceleration
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Washington DC
UPLA + ASSLA + 4ร— penalty wages
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Complete coverage โ€” all 50 states + DC. PTO Planner now has dedicated guides for every US jurisdiction. Pick your state above to see the wage payment statute, final paycheck deadline, vacation payout rules, and applicable paid leave mandates.