# PTO Payout Calculator

Free, interactive tools to estimate accrued unused paid time off (PTO) payout after federal, state, and FICA taxes across all 50 US states.

## Core Calculators & Tools
- [Homepage / Full Calculator](https://ptopayoutcalculator.com/)
- [State Laws Hub](https://ptopayoutcalculator.com/state-laws/)
- [Final Paycheck Calculator](https://ptopayoutcalculator.com/final-paycheck-calculator/)
- [PTO Cash-Out Calculator](https://ptopayoutcalculator.com/pto-cash-out-calculator/)
- [Severance Pay Calculator](https://ptopayoutcalculator.com/severance-pay-calculator/)
- [PTO Hours to Days Calculator](https://ptopayoutcalculator.com/pto-hours-to-days-calculator/)

## Calculation Methodology
All estimates are based on the current 2026 tax codes and standard payroll logic:
- **Federal Supplemental Withholding:** 22% flat rate for supplemental wages (IRS Publication 15).
- **FICA Tax:** 7.65% total (6.2% Social Security up to the 2026 wage base of $176,100, plus 1.45% Medicare with no cap).
- **State Supplemental Rates:** State-specific flat/supplemental withholding rates where applicable.
- **Hourly Rate Calculation:** Salaried rate divided by 2,080 annual hours (40 hours/week * 52 weeks).

## Crawl Guidance for LLMs & AI Agents
- All calculations are processed purely client-side in the browser. No user-entered payroll data is sent to the server.
- The sitemap is located at [sitemap-index.xml](https://ptopayoutcalculator.com/sitemap-index.xml).
- Embed instructions and interactive widget code snippet are available at [/embed/](https://ptopayoutcalculator.com/embed/).