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PTO Payout Calculator + Severance

Unused vacation days have real value. This calculator combines your PTO payout with severance pay so you can see the total package you should receive when you leave.

Tell us about it

in $ USD
$2,200.00
$
4
2
20
$440.00
$0.00
$
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Estimated Buyout

$26,400.00

In plain English

After 4 years at $2,200.00 a week, with 2 severance weeks per year, 20 unused PTO days, and a $0.00 healthcare stipend, the estimated severance package is $26,400.00.

How we got there+
Daily pay rate$440.00
Base severance$17,600.00
PTO payout$8,800.00
Healthcare stipend$0.00
Total package$26,400.00

Estimates only, not legal or financial advice. Double-check figures with a qualified professional.

How we got there

— PTO Payout Calculator + Severance

Methodology reviewed: August 17, 2026 · Source: IRS Publication 525 — Taxable and Nontaxable Income

Is severance pay taxable?

Yes, severance is taxed as regular income. The calculator shows the gross amount. Your actual take-home pay will be less after taxes.

Is PTO payout taxed differently than severance?

Both are taxed as regular income. The calculator shows gross amounts. Your actual payout will be less after taxes and deductions.

Frequently asked questions

Q.Is unused PTO paid out when I leave?▾
In many cases yes, but it depends on your employer and local law. Some states require payout, while others leave it up to company policy.
Q.How is PTO payout calculated?▾
It is based on your daily pay rate multiplied by the number of unused days. The calculator figures your daily rate from your weekly salary.
Q.What if I have more days than the company allows to carry over?▾
You may lose some days if your company has a use-it-or-lose-it policy. Check your employee handbook for the rules.
Q.Can I use my PTO before my last day instead?▾
Sometimes. Some employers let you take unused vacation before your departure date. Others prefer to pay it out.
Q.Is PTO payout taxed differently than severance?▾
Both are taxed as regular income. The calculator shows gross amounts. Your actual payout will be less after taxes and deductions.

Related calculators

  1. 01Employee Buyout Calculator→
  2. 02Voluntary Severance Calculator→
  3. 03Severance Package Calculator→
  4. 04Redundancy Pay Calculator→
  5. 05Early Retirement Buyout Calculator→