Compete for Talent with Zero Salary Increase.

No implementation fees.
Zero recurring charges. 
Pay only for usage.

Mission-driven organizations must compete with private sector salaries without the private sector budget. PTO Exchange acts as a cost-neutral retention engine by allowing staff to convert unused PTO into 403(b) growth or student loan relief. Because our pricing is transaction-based—not PEPM—you never waste donor funds on unused benefits. You only invest when your employees see value.

See How It Works

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The Financial Model

Budget Certainty
Our model ensures you don't "bust the HR budget" as your headcount grows.
Transaction Equity
The 7.5% service charge is applied to the employee's exchange, funding the platform's administration.