Free PTO tools for small businesses
Three tools we built because we kept doing this maths by hand. Useful whether or not you ever become a Cabana customer.
PTO Accrual Calculator
Work out how much PTO an employee has accrued today, what they'll have at year end, and what a carryover cap forfeits.
- Accrual per pay period, per hour worked, or annual lump sum
- Balance to date plus a year-end projection
- Carryover forfeiture and accrual ceilings modelled separately
- Full period-by-period schedule, copyable as CSV
PTO Payout Calculator
Price out unused PTO at separation, and check whether your state requires the payout at all.
- Gross payout from an hourly rate or an annual salary
- Whether payout is legally required in the employee's state
- All 50 states and DC, each row linked to its labor agency
- Use-it-or-lose-it legality alongside the payout rule
PTO Policy Generator
Answer a few questions and get a complete, state-aware PTO policy you can paste straight into your handbook.
- A complete PTO policy in about two minutes
- Accrual, carryover, payout, and approval sections written for you
- State-specific considerations added automatically
- Emailed to you as a formatted document
Guides that go with them
The complete walkthrough, start to finish.
Average PTO for small businesses →2026 benchmarks by headcount.
Accrual vs. bank vs. unlimited PTO →Pick a structure before you tune the numbers.
PTO tracking software for small teams →What to look for, and how Cabana handles it.
Comparing PTO tools?
Pricing, PTO tracking workflow, reviews, and when not to switch.
Deeper policies, a real admin dashboard, and stronger Teams support.
Microsoft Teams support and department structure alongside the same Slack workflow.
Easier day-to-day PTO workflow alongside the payroll tool you already use.
All the leave management, none of the HR platform overhead.
PTO without the timesheet and attendance features your team doesn't need.
Purpose-built for PTO, not buried inside a full HR platform.
Last checked August 2026. These tools give general guidance rather than legal advice, and employment rules change. Each one links to its sources — worth confirming anything state-specific with your labor agency or an employment attorney.
Give your team the time off experience they deserve
Set up in under 5 minutes. No credit card required.