Optimize Your Balance Sheet with Automated PTO Conversion.

Pay-per-conversion only.
Eliminate wasted PEPM spend.

In high-performing financial environments, PTO is often earned but rarely used, leading to massive, unpredictable year-end accrual spikes. PTO Exchange provides an audit-ready platform to manage this risk with zero monthly subscription fees. Instead of carrying unfunded debt, allow your elite talent to convert PTO into tax-advantaged retirement accounts or HSAs. It is a sophisticated total rewards strategy that requires zero salary increases and offers total budget predictability.