What Am I Owed? Free Wage & Pay Tools
Estimate missing pay, back pay, overtime, final paycheck amounts, PTO payout, severance, and other employment-related compensation with free calculators designed for workers. Most tools focus on the United States and Canada, with dedicated California resources and selected notice-period tools that also cover the UK.
Start with the Unpaid Wages Calculator for straight-time hours you worked but were not paid. Use the Overtime Pay Calculator for overtime, the Back Pay Calculator for a past pay shortage, or the Pay Stub Error Calculator to compare expected gross pay with a pay stub. If you are not sure which tool fits, use the calculator guide.
On this page: Calculators · California resources · Who it's for · Wage law guides · FAQ
Most Popular Wage Calculators
Back Pay Calculator
Estimate a past straight-time pay shortage from missing hours at one hourly rate, with optional PTO.
Unpaid Wages Calculator
Estimate straight-time wages for hours worked but not paid, including off-the-clock work.
Final Paycheck Calculator
Estimate final gross pay from unpaid hours and unused PTO after quitting or termination.
PTO Payout Calculator
Estimate unused vacation or PTO payout using unused hours, hourly value, and payout percentage.
PTO Accrual Calculator
Calculate PTO earned per pay period and estimate your available vacation or paid-time-off balance.
Find the Right Calculator
Each calculator has a narrow job so the estimate is easier to understand. For the complete list, see the Wage Calculators hub.
- Unpaid Wages Calculator Missing straight-time hours, off-the-clock work, or unpaid training time.
- Overtime Pay Calculator Estimate overtime hours, total overtime-rate pay, and additional overtime premium.
- Back Pay Calculator Estimate a past pay shortage from unpaid straight-time hours at one rate, with optional PTO.
- Pay Stub Error Calculator Compare expected gross pay with actual gross pay to identify a possible paycheck shortfall.
- Final Paycheck Calculator Estimate final gross pay after leaving a job, including unpaid hours and unused PTO.
- PTO Payout Calculator Estimate the value of unused vacation or PTO when a payout applies.
- Severance Pay Calculator Estimate severance using weekly pay, years of service, and a selected weeks-per-year formula.
- Wrongful Termination Settlement Calculator Estimate lost-wage components that may be relevant to a termination claim; it does not predict a settlement.
- PTO Accrual CalculatorEstimate PTO earned per pay period, available balance, and days off.
Other tools cover minimum-wage underpayment, holiday pay, unpaid breaks, meal-break premiums, notice periods, pay in lieu of notice, and worker misclassification. Browse every calculator →
Wage & Employment Law Guides
Use the guides to understand the rule or entitlement; use the calculators to estimate the numbers.
- Unpaid Wages Laws Federal wage-payment basics, common violations, recovery paths, and filing deadlines.
- Overtime Back Pay Laws FLSA overtime eligibility, common underpayment patterns, lookback periods, and recovery options.
- Holiday Pay Laws — US & Canada When holiday pay is required, how US and Canadian rules differ, and where to verify entitlement.
- What Is Worker Misclassification? Employee-versus-contractor classification rules under federal and California frameworks.
- Is California an At-Will Employment State? California's at-will presumption, important exceptions, protected activity, and contract limits.
- All Wage Law Guides → Browse the complete guide library, including California minimum wage and workers' compensation resources.
California Wage & Employment Resources
California has state-specific wage, break, final-pay, minimum-wage, and termination rules. These pages keep California-specific calculations and explanations separate from the site's general tools:
- California Minimum Wage 2026 — statewide, industry, and selected local rates with a compliance checker.
- Minimum Wage Underpayment Calculator — estimate a direct hourly-rate shortfall after identifying the applicable minimum wage.
- California Meal Penalty Calculator — estimate one premium hour per affected workday when the required meal period was not provided.
- Unpaid Break Pay Calculator — estimate wages for break or meal time that was actually worked but deducted or unpaid.
- Final Paycheck Calculator — estimate final gross pay; the page explains California's different timing rules for discharge and resignation.
- PTO Payout Calculator — estimate unused vacation value when a payout is required or provided.
- California At-Will Employment Rules — understand the at-will presumption and important exceptions.
- California Overtime Calculator — calculate daily and weekly overtime, double time, and seventh-day pay under the general rules.
- California Waiting Time Penalty Calculator — estimate a potential Labor Code §203 penalty when qualifying final wages were paid late.
California-specific legal rules can depend on industry, exemption status, collective agreements, local ordinances, and the facts of the employment relationship. Use the linked pages for scope and source details.
Who These Tools Are For
- Hourly employees checking missing hours, overtime, break deductions, or an incorrect pay rate
- Salaried employees reviewing a pay shortage, overtime eligibility, severance, or final pay
- Workers who quit or were terminated estimating final paycheck amounts, PTO payout, notice pay, or severance
- California employees using state-specific minimum-wage, meal-break, final-pay, and at-will resources
- Workers treated as contractors who want to understand possible misclassification and model selected financial exposure
- Anyone asking “what am I owed?” who needs a starting point before checking records or applicable rules
Most tools are designed for general US and Canadian use, with selected pages for California and notice-period tools that also cover the UK. Calculator outputs are estimates, not legal determinations.
Want rules by location? Browse our Wage Law Guides.
Learn More
Frequently Asked Questions
How much am I owed by my employer?
Start by identifying the type of pay problem. Use the Unpaid Wages Calculator for straight-time hours worked but not paid, the Overtime Pay Calculator for overtime, the Back Pay Calculator for a past pay shortage, or the Final Paycheck Calculator after leaving a job. Each tool explains what its estimate includes and excludes.
What does “What am I owed?” mean?
It means identifying compensation that may be missing or incomplete, such as unpaid wages, overtime, final pay, PTO payout, holiday pay, notice pay, or severance. Whether an amount is legally owed depends on the applicable law, contract, policy, and facts.
Can these calculators tell me exactly what I am legally owed?
No. They are mathematical estimators. They do not decide legal entitlement and may exclude penalties, interest, damages, exemptions, special regular-rate rules, local ordinances, or other jurisdiction-specific requirements unless a page expressly says otherwise.
Which kinds of pay can I estimate?
The site includes tools for straight-time unpaid wages, overtime, back pay, pay-stub differences, final pay, PTO payout, holiday pay, break pay, California meal premiums, minimum-wage shortfalls, severance, notice periods, pay in lieu of notice, and selected misclassification or termination-related amounts.
Is WhatAmIOwedCalculator.com free to use?
Yes. The calculators are free to use and do not require an account. Some pages include optional links to third-party services, and select calculators offer an optional email-estimate feature.
Does this website provide legal or tax advice?
No. The calculators and guides are educational and informational only. For advice about your specific rights, tax treatment, filing deadline, or legal strategy, consult an appropriate qualified professional or government agency.
Can independent contractors use these tools?
Some mathematical tools can still be useful, but employee wage laws do not automatically apply to independent contractors. If you believe you may have been treated as a contractor when the law considers you an employee, start with What Is Worker Misclassification? and the Misclassification Cost Calculator.
How does the Back Pay Calculator work?
It estimates a simple straight-time shortage by subtracting hours paid from hours worked and multiplying the unpaid hours by the hourly rate you enter, with optional PTO. It does not automatically calculate overtime, interest, liquidated damages, penalties, or multiple rate changes.