When we shine light on a metal, electrons are emitted. The following facts were observed prior to 1905:
This is hard to explain with classical physics because:
Einstein assumed that light of frequency $\nu$ is made of particles, each of which has energy
\[\boxed{E = h\nu,}\]
which are now called photons
This is more radical than Planck's hypothesis. Planck assumed that matter and radiation exchange energy in discrete packets, but both matter and radiation otherwise obey the laws of classical physics. Einstein's hypothesis is much more difficult to reconcile with classical physics because how can electromagnetic radiation, which classically is a wave, also be a particle?
Einstein assumed that electrons are emitted from the metal due to collisions between the photons and electrons. Let $W$ be the amount of work required to eject an electron from the metal (its work function) and $K$ the kinetic energy of an emitted electron. Then, by conservation of energy
\[h\nu = W + K.\]
Obviously, $h\nu$ has to be larger than $W$ in order for an electron to be emitted. The cutoff frequency $\nu_0$ is the frequency at which the photon has just enough energy to eject an electron with zero kinetic energy, so $h\nu_0 = W$ or $\nu_0 = W/h$. Then we have
\[K = h(\nu - \nu_0).\]
This matches the observed relationship between $\nu$ and $K$.