PTO Payout Calculator — Unused Vacation Pay
Leaving a job with unused PTO? Estimate the gross payout from your rate (or salary) and hours, and what typically lands after the 22% federal supplemental withholding.
$25.00 / hr × 40 hrs · ≈ $780.00 after 22% withholding
Whether unused PTO must be paid out depends on state law and company policy. Final paycheck landing in a new account? Set up your direct deposit form in a minute.
How the PTO Payout Calculator converter works
Upload the form
Drag in a PTO Payout Calculator PDF or image — no account, no setup.
We read and extract
Every line item becomes a structured row — the fields you'd otherwise type by hand.
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Questions
What is a direct deposit authorization form?+
The written permission your employer's payroll needs to send your pay to your bank account via ACH. It captures your bank, routing number, account number, and deposit instructions, with your signature.
Does this work for my bank?+
Yes — the authorization is standard ACH language accepted for any US bank or credit union: Chase, Wells Fargo, Bank of America, Navy Federal, Capital One, regional banks, and credit unions alike. Type your bank's name and you're done.
Where do I find my routing and account numbers?+
Bottom of a check: the 9-digit routing number first, account number second. No checks? Both are in your banking app under account details — never use the number on your debit card.
Why do employers want a voided check?+
It verifies the routing/account numbers against a bank-printed source, preventing payroll typos. Write VOID across an unused check and attach it; many payroll providers accept a bank-app screenshot or a bank letter instead.
Can I split my pay between accounts?+
Choose 'fixed amount' or 'percentage' and generate one form per account — most payroll systems support multiple deposit allocations exactly this way.
How long until direct deposit starts?+
Typically one or two pay cycles — many employers run a prenote (test) transaction first. Submit the form before payroll's cutoff date to catch the next cycle.