Free Benefits Calculators
Minnesota-focused tools to help you understand your workplace benefits. Calculate PTO accrual, estimate health insurance subsidies, and plan your paid leave.
Why Use Navitize Calculators?
Minnesota-Specific
Built for Minnesota's unique PFML program, MNsure marketplace, and state employment laws.
2026 Updated
All calculators reflect current 2026 rates, income limits, and benefit maximums.
100% Free
No signup required. No hidden fees. Calculate as many times as you need.
Choose Your Calculator
PTO Calculator
Calculate your paid time off accrual and balance. Track vacation days, sick leave, and personal time.
- Hourly, weekly, or annual accrual
- Carryover limits
- Year-end projections
MNsure Subsidy Calculator
Estimate your premium tax credit and cost-sharing reductions for Minnesota health insurance.
- 2026 income limits
- Family size adjustments
- Monthly savings estimate
PFML Benefits Calculator
Calculate your Minnesota Paid Family and Medical Leave weekly benefit amount.
- 55-90% wage replacement
- Up to $1,423/week max
- 2026 rates included
How to Use These Calculators
PTO Calculator
- Enter your annual PTO allowance in hours or days
- Select your pay frequency (weekly, bi-weekly, etc.)
- Add any carryover from last year
- Enter PTO already used this year
- View your current balance and accrual rate
Subsidy Calculator
- Enter your expected 2026 household income
- Select your household size
- Enter your age and county
- View your estimated monthly premium tax credit
- See if you qualify for cost-sharing reductions
PFML Calculator
- Enter your average weekly wage
- Select your leave type (family or medical)
- Enter number of weeks needed
- View your weekly benefit amount
- See total benefits for your leave period
Frequently Asked Questions
How do I calculate my PTO accrual rate?
Use our PTO calculator by entering your annual PTO allowance and pay frequency. The calculator will show your accrual per pay period, whether you're paid weekly, bi-weekly, semi-monthly, or monthly.
How much is the MNsure subsidy for a family of 4 in Minnesota?
MNsure subsidies for a family of 4 in Minnesota depend on your household income. In 2026, a family of 4 earning $62,400 (150% FPL) could receive substantial premium tax credits. Use our subsidy calculator for your exact amount.
What is the maximum PFML benefit in Minnesota for 2026?
The maximum Minnesota PFML weekly benefit for 2026 is $1,423 per week. Your actual benefit is 55-90% of your average weekly wage, with lower-income workers receiving a higher replacement percentage.
Can I use PTO and PFML at the same time in Minnesota?
Yes, Minnesota employers can allow employees to supplement PFML benefits with accrued PTO to reach 100% wage replacement. However, employers cannot require PTO use during PFML leave. Check with your employer's policy.
How do I know if I qualify for MNsure subsidies?
You may qualify for MNsure subsidies if your household income is between 100-400% of the Federal Poverty Level and you don't have access to affordable employer coverage or Medicare. Use our calculator to check eligibility.
Need More Help?
Explore our complete guides for detailed information on Minnesota benefits.