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Massachusetts PTO and vacation calculator - 2026

Calculate your Massachusetts PTO balance, accrual rate, and payout value. Massachusetts REQUIRES vacation payout at termination. Track your vacation days and calculate what unused PTO is worth.

PTO balance calculator

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Your annual PTO allowance from employer
Days taken this year including pending
Approved future time off
PTO carried over from previous year

Massachusetts PTO laws - vacation payout and accrual rights

What Massachusetts law says about paid time off payout and accrual

Massachusetts REQUIRES vacation payout at termination

Earned vacation must be paid out at termination

Massachusetts PTO law overview

Massachusetts treats accrued vacation as earned wages that must be paid out at termination. Massachusetts law prohibits employers from taking away earned vacation. Use-it-or-lose-it policies that eliminate earned vacation are not permitted.

Massachusetts is one of the strongest states for PTO rights. Accrued vacation is treated as wages and cannot be forfeited. Employers must pay out all earned unused vacation at termination at the final regular rate of pay.

Governing law

Massachusetts PTO and vacation law is governed by Massachusetts Payment of Wages Act MGL c 149 s 148 (M.G.L. c. 149, § 148). The official authority for Massachusetts wage and hour enforcement including PTO disputes is the Massachusetts Attorney General's Fair Labor Division.

Data source: M.G.L. c. 149, § 148. Last verified: 2026. PTO laws can change. Consult an employment attorney for advice specific to your Massachusetts situation.

Frequently asked questions - PTO

Do employers have to pay out unused PTO when you leave?
It depends on your state. California, Colorado, Illinois, Louisiana, Massachusetts, Minnesota, Montana, North Dakota, and Rhode Island require employers to pay out all accrued unused PTO upon termination. Most other states allow employers to set their own policy - if your employer's policy says PTO is paid out, they must honor it. Always check your employee handbook and state law.
How is PTO accrual calculated?
PTO accrual is typically calculated as hours earned per pay period. For example, if you earn 15 days (120 hours) per year paid bi-weekly, you accrue 120 / 26 = 4.62 hours per pay period. Some employers give a lump sum at the start of the year instead of accruing gradually. Your employee handbook should specify your accrual method.
Can employers have a use-it-or-lose-it PTO policy?
In most states yes - employers can require you to use PTO by year end or forfeit it. However, California, Colorado, and a few other states prohibit use-it-or-lose-it policies because they classify accrued PTO as earned wages. In these states, unused PTO must roll over or be paid out.
What is the difference between PTO and vacation days?
PTO (Paid Time Off) is a combined bank of paid leave that covers vacation, sick days, and personal days. Traditional vacation days are separate from sick leave. Most modern employers use a single PTO bank for simplicity. The key difference is that PTO can be used for any reason, while vacation time is typically pre-scheduled and sick days require an illness.