Your time is everything. You earned it. It should be yours to direct.
Transforming theValue of Time.
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Our Mission to Transform the Value of Time

We help employers unlock the financial and human value of unused paid leave — by providing a flexible, compliant exchange platform that gives employees real choice. 

Retirement savings. Health savings. Cash for unexpected expenses. Student loan repayments. Charitable giving. Leave sharing for a colleague in need. 

We are the only compliant platform that allows employees to convert the value of their earned time off benefits into something else of value — something they choose. 

198

Employees Currently on Platform

$

51

M

Total Value Exchanged

2.3

M

Hours Exchanged to Date

Why This Matters. Why Now.

Over 765 million vacation days go unused in America each year. Due to IRS regulations, this compensation has been virtually impossible for employees to exchange for other forms of financial value.

At PTO Exchange, we have spent over a decade understanding the tax laws, rules, and regulations that govern earned time — and we have built that intelligence into an automated, easy-to-use platform that helps employees translate their PTO into other things of value. 

We exist because it matters. To real people, living and working in communities across the country. In our own way, we want to help every employee — regardless of generation, income level, or career stage — achieve more of what matters most to them.

Why
Our Purpose
We believe every person who shows up to work has already earned something valuable — and they deserve the right to choose what to do with it. Time is the most precious resource anyone has. PTO Exchange exists to make sure that the value of earned time works for — not against — the employee.
Our Platform
We are the only patented, IRS-compliant platform that converts the value of unused earned PTO into retirement savings, student loan repayments, HSA contributions, charitable giving, emergency cash, and leave sharing — automatically, at no cost to the employer.
What
Why
Our Platform
We are the only patented, IRS-compliant platform that converts the value of unused earned PTO into retirement savings, student loan repayments, HSA contributions, charitable giving, emergency cash, and leave sharing — automatically, at no cost to the employer.
How
Our Operating Principles

  • Compliance Integrity - IRS-validated, SOC II certified, legally defensible in all 50 states 

  • Accountability - We own our compliance posture fully and protect our clients from risk 

  • Ease & Automation - Seamless payroll integration; no manual processing, no ongoing maintenance 

  • Customization & Control - Employer-defined guardrails; employee-directed choice 

  • Employee-First Mindset - Positive financial impact for real people at every life stage 

Unlocking the Hidden Value of Earned Time

PTO Exchange is not a benefits vendor. It is the trusted guide that helps organizations unlock the hidden value of earned time — turning a balance sheet liability into a life-changing benefit, one employee at a time.

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