The Benefit Healthcare Workers Have Been Waiting For. 
Healthcare organizations face some of the most severe retention and PTO liability challenges of any sector — and the most critical need for a culture of genuine care. PTO Exchange gives your clinical and administrative workforce a personalized, debt-free path to financial wellness using value they've already earned, at no net cost to your organization.
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Trusted by Leading Organizations
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PTO Exchange

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

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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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Giving Exchange

Enable employees to donate unused PTO to meaningful causes or support colleagues in need - building a culture of care.

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Why PTO Exchange Works for Healthcare 

Healthcare is unlike any other industry. Your workforce works through vacations, skips PTO during surges, and burns out at rates that cost the sector billions each year in turnover alone. The same employees who give everything to their patients are often living paycheck to paycheck — unable to cover a $400 emergency without going into debt. PTO Exchange was built for exactly this reality. It transforms the unused earned time sitting on your balance sheet into a meaningful, personalized financial benefit that nurses, physicians, administrators, and support staff will actually use.

  • 1 in 3 healthcare workers say financial stress directly affects their ability to focus at work
  • Healthcare turnover costs an average of $56,000 per bedside RN replaced 
  • IU Health reduced turnover by 61% among PTO Exchange users
  • 83% of workers are interested in converting unused PTO into financial benefits 
Resources for Healthcare Organizations 
Culture Guide
Culture Guide
Whole-Person Care Starts With Your Own People

You build a culture of care for your patients every day. PTO Exchange helps you extend that same care to your...

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PTO Liability Guide
Healthcare Organizations Carry Some of the Highest Accrued...

Clinical staff accrue PTO faster than any other workforce. That liability compounds every year on your balance sheet and turns...

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Benchmark Report
See How Your PTO Policy
Stacks Up

Get a clear benchmark of your PTO program against peers — and see where you may be falling behind on retention and...

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Trusted by Leaders. Backed by Results.

Ellipse 86
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

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Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (2)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (1)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (2)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (1)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (2)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (1)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ellipse 86 (2)
Emma Parkar SEO Manager
Vector

PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.

Ready to Add a Benefit That Costs Your Organization Nothing?

Talk to our team about how PTO Exchange fits your organization's size, payroll infrastructure, and Total Rewards strategy. Most implementations are complete in weeks — and paying for themselves from day one.

Explore the Live Demo Now
Explore the Live Demo Now

Frequently Asked Question

01

Does PTO Exchange work for shift-based clinical staff?

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  • Yes. PTO Exchange works with all employee types including hourly and shift-based workers. Eligibility, exchange limits, and protected balances are fully configurable to your organization’s specific policies.

02

Can healthcare systems with union workforces use PTO Exchange?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

03

How does PTO Exchange help with nursing retention specifically?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by