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Monthly PTO Accrual Calculator

Based on the default pattern below, a typical entitlement is 10 hours. Adjust the inputs for your exact figure.

15 days

Your entitlement

10 hours

How it's worked out

(15 PTO days × 8 hours/day) ÷ 12 pay periods = 10 hours/period

Audit note

Most US employers set an accrual cap or carryover limit — you stop banking PTO once you hit it. Some states restrict use-it-or-lose-it forfeiture of accrued PTO, so check your state's rules and your policy.

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How this calculation works

US PTO usually accrues each pay period rather than landing as a lump sum. Divide the annual PTO (in hours) by the number of pay periods to see how much time off you bank every cycle.

Worked example

(15 PTO days × 8 hours/day) ÷ 12 pay periods = 10 hours/period

Frequently asked questions

How much PTO do I accrue each month?
Divide your annual PTO hours by 12. On 15 days (120 hours) at 8 hours a day, that's 10 hours of PTO accrued every month.
Is monthly accrual better or worse than bi-weekly?
The annual total is identical — only the drip rate differs. Monthly banks a larger amount less often; bi-weekly banks smaller amounts more frequently. Cash-flow of time off is the only real difference.
What happens to unused PTO at year end?
It depends on your policy: some plans let you carry it over up to a cap, others reset (use-it-or-lose-it) where state law allows. Check whether your state restricts forfeiture of accrued PTO.