Your Employees Earned It.
Give Them More Ways to Use It.

PTO Exchange gives every person on your team, across every generation, every financial situation, every life stage, a personalized, debt-free path to financial wellness using the PTO value they've already earned. No new employer cost. Just a benefit solution that makes people feel seen.
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PTO Hours Exchanged

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Companies Exchanging PTO

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Lower Turnover Among Platform Users

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Client Satisfaction

How to Offer Employee Retention Benefits Without Cost

Most retention benefits require a new budget. This one doesn't. PTO Exchange turns a benefit you're already carrying on the books into something employees can actually use today, which means you're offering real financial flexibility without adding a single new line item to the benefits budget.

Leading Benefits Exchange Solution Tailored for You!
Human Resources
Human Resources
Is your PTO program losing you top talent? Modernize your benefits to recruit and retain, at no new cost to the company.
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Finance
Finance
Is your PTO liability growing faster than you can manage it? Reduce the liability. Reward the employee. Cost the company nothing.
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Partners
Partners
Are your clients' benefits stuck in the past? Help your customers unlock the hidden value of earned time, and win more business doing it.
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Trusted by Leading Organizations

Simple for Employees. Seamless for HR. Structured for Finance.

Step 1:

Employees Choose How to Direct Their Earned Value:

Through an intuitive portal, employees select where their unused PTO value goes: retirement savings, emergency cash, student loan repayments, HSA contributions, charitable giving, or leave sharing with a colleague. Their time. Their choice.

Step 2:

Value is Calculated Automatically

The earned PTO value is calculated and then the exchanged hours are deducted from the accrued PTO bank.

Step 3:

Funds Are Redirected Seamlessly

Funds are redirected to the appropriate distribution location using your existing payroll platform.

Simple For Employees

Project: Time Off (U.S. Travel Association) reports that ~768 million vacation days go unused with ~236 million days forfeited and ~$65–70 billion in forfeited PTO value annually

Calender

1 in 3

Workers say they can’t take vacation due to job demands

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83%

83%

Of workers are interested in converting their PTO

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70%

70%

Say flexible leave benefits would make them feel valued

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PTO Exchange

PTO Exchange

Convert unused PTO into financial opportunities, including cash, retirement savings, student loan repayments, and more. All with zero net cost to the employer.

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Life Planning Account

Life Planning Account (LPA)

Empower employees with flexible financial planning options to support life goals like education, wellness, and major life events.

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Savings Exchange

Savings Exchange

Savings Exchange is a payroll-integrated financial wellness platform that automatically enrolls employees in an emergency savings plan, giving them a safe way to save for unexpected expenses.

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What Employees Can Do with Their PTO
Cash Out
Cash Out

Convert PTO into immediate cash when it matters most.

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Health Savings Account
Health Savings Account

Save funds to HSA for planned or unexpected health expenses.

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Retirement (401k)
Retirement (401k, 403b)

Direct unused time toward long-term financial security.

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Travel
Travel

Fund meaningful life experiences with earned value.

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Education
Education

Invest in learning and growth or pay off student loans faster.

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Giving & Leave Sharing
Giving & Leave Sharing

Donate to colleagues or causes you believe in, give more to those in need.

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Built for Every Industry

From healthcare to technology, PTO Exchange supports organizations of all sizes and sectors.

Sara Ellis Familhy
Sara E. IU HEALTH

I am thankful to use the PTO exchange. It came in handy for my son’s birthday, allowing me to spend a little bit more time with my boys without having to work overtime for a while.

Ciera Cox
Ciara C. IU HEALTH

This really comes in handy when needed, especially when you need the cash on unexpected bills.

Ruth Gibson
Ruth G. FAIRWAY MORTGAGE

It has been so helpful to provide additional money to pay for my medical needs.

Patricia Cox
Patricia C. ITHAKA HOSPITALITY

I was in crunch and really need some extra money in my check and this was the perfect way to do it. It was so easy and not hard at all I would tell everybody to do it when you are in need.

Greg Martin
Greg M. SUBSEA7

Time to spread the blessed cheer.

Naomi Morgan LEGALEASE
Naomi M. LEGALEASE

I am in grad school, and my classes are expensive.

Mason Campbell IU LIFELINE
Mason C. IU LIFELINE

This gives me the opportunity to build our savings back up with the newborn.

Angelica Avila SAC HEALTH
Angelica A. SAC HEALTH

I so appreciate PTO Exchange! It has helped me out with those unexpected situations happen.

Resize Sara S (1)
Sara S. HONORHEALTH

Having the extra cash will be so helpful!

Mikayla Pruitt
Mikayla P. DAYTON CHILDREN’S

I am so thankful to be able to exchange out some of my PTO to help with extra money.

Janelle Morrs Grad Save for House
Janelle M. RILEY HOSPITAL FOR CHILDREN

I am so grateful for PTO exchange. With this money, I will be able to continue to save for a house! Currently I live with my parents, but my new year's resolution is to buy a house!

Pinkie Fosha LEGACY COMMUNITY HEALTH
Pinkie, F. LEGACY COMMUNITY HEALTH

A great way to contribute to my 403b and not lose PTO hours.

Unlock the Full Value of Paid Time Off.

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The Resources You Need to Make the Case for PTO Exchange
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Home Page Survey Template REsources Feature Image
Survey Template
Free Benefits Survey Template

Use this best in class benefits survey guide to create a feedback mechanism for your company.

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Home Page PTO Benchmark Study Resource Feature Image
Interactive Report
Free PTO Benchmark Study

Know how your PTO program compares to your peers with this FREE Benchmark Study

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Home Page PTO Liability Calculator Resource Feature Image
Interactive Calculator
Free PTO Liability Calculator

Calculate the total PTO liability on your balance sheet. No obligation to find out.

Calculate Your PTO Liability Vector (1)

What Is a PTO Financial Wellness Program?

A PTO financial wellness program lets employees convert unused paid time off into cash, retirement contributions, student loan payments, or other financial tools, without taking on debt or losing the value of time they've already earned. It costs employers nothing new to offer, since the PTO liability already exists on the balance sheet either way.

Instead of PTO sitting unused until it either expires or becomes a growing liability, employees get to choose how that value shows up in their financial life right now. Some use it to pad an emergency fund. Others send it toward a 401k or pay down student loan debt. The PTO itself never leaves the books until an employee actively chooses to use it that way.

Ready to Transform
Your PTO Program?

See how PTO Exchange can reduce balance sheet liability, improve employee financial wellness, and modernize your benefits, with no new employer cost and no compliance risk.

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