PTO Balance Projector
See how much time off you'll have saved by a specific future date.
Calculator Inputs
Amount earned per period
How often is PTO added to your balance?
Max hours allowed (leave empty for none)
Results
Projected Balance
on Jun 27, 2026
Total Accrued
over 12 periods
Between Dec 29, 2025 and Jun 27, 2026, you will go through approximately 12 pay periods.
| Date | Description | Accrued | Balance |
|---|---|---|---|
| Dec 29, 2025 | Starting Balance | +0.00 | 0.00 |
| Jun 27, 2026 | Projected Balance after 12 periods | +36.96 | 36.96 |
Planning Your Time Off
Whether you're saving up for a long honeymoon, a summer road trip, or parental leave, knowing exactly how much PTO you'll have in the future is essential for planning.
How This Projection Works
This calculator takes your current balance and adds your accrual rate for every pay period that occurs between now and your target date.
- It counts full pay periods based on your frequency (e.g., every 2 weeks).
- It respects your "Balance Cap" if your company limits how many hours you can bank.
- It helps you avoid "losing" hours if you're close to your cap.
Common Scenarios
Scenario 1: The "Use It or Lose It" Check
Many companies have a cap (e.g., 200 hours). If you currently have 180 hours and earn 4 hours every two weeks, you'll hit your cap in just 5 pay periods (10 weeks). Use this tool to find out when you need to take a day off to keep earning.
Scenario 2: Saving for a Big Trip
You want to take 2 weeks (80 hours) off for a wedding in 6 months. You currently have 30 hours. Enter your accrual rate to see if you'll cross the 80-hour mark by the wedding date.
FAQ
Does this include holidays?
This calculator projects your accrued balance. It does not automatically deduct future holidays (like Christmas or July 4th) because most companies pay those as "Holiday Pay" rather than deducting from your PTO bank. However, if your company forces you to use PTO for holidays, you should manually subtract those hours from your projected result.
What if I take time off in between?
This tool projects a "straight line" growth. If you plan to take a random Friday off next month, simply subtract 8 hours from the final result, or lower your "Current Balance" by 8 hours to see the adjusted net total.