Earned Time Should Work for the People
Who Earned It.
We help HR and Finance leaders turn unused PTO liability into a life-changing financial wellness benefit — giving every employee a personalized, debt-free path to financial security using value they've already earned.
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Two Growing Crises. One Category- Creating Solution.
Every year, over 765 million vacation days go unused in America. For employees, that unused time represents real money — locked away where it cannot help them when they need it most. The average worker carries $3,400 in unused PTO but cannot cover a $400 emergency.
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The Employee Crisis

Every year, over 765 million vacation days go unused in America. For employees, that unused time represents real money — locked away where it cannot help them when they need it most.

The average worker carries $3,400 in unused PTO but cannot cover a $400 emergency.

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Emergency Access Without Penalty

For employers, the picture is equally pressing. Accrued PTO is one of the largest and fastest-growing liabilities on the balance sheet — compounding with every salary increase and every year it goes unredeemed.

Most organizations have no structured way to address this challenge.

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Flexible Contributions and Withdrawals

PTO Exchange was built to resolve both problems simultaneously — at no net cost to the employer.

The Only Patented, IRS-Compliant Platform of Its Kind. 

PTO Exchange is not a workaround; it is not an informal program—it is the category-creating, patented benefit exchange platform that converts the value of unused, earned paid time off into meaningful financial outcomes for employees.

  • Patent Protected

    Category-creating benefit exchange platform protected by U.S. Patent US10108933 B1.

  • IRS Validated

    Built on IRS-approved private letter rulings and a compliant benefit exchange methodology.

  • Enterprise Security

    SOC II Type 2 and SOC I Type 2 certified infrastructure for institutional data safety.

  • Nationwide Compliance

    Legally defensible and compliant across all 50 U.S. states, mitigating employer risk.

98.8

%

Client Retention Rate

51.8

%

Lower Turner

150

+

Employer Clients

One Platform. Every Generation. Every Financial Goal.

For the first time in history, six generations share the same workforce — each with completely different financial priorities. No single benefit has ever addressed all of them. PTO Exchange is the first

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For HR & Benefits Leaders

he differentiated, career-defining benefit that makes your Total Rewards package stand out — and gives every employee a personalized reason to stay. 90% of employees say they would remain with an employer that offered this type of benefit.

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For Finance Leaders

A structured, audit-ready mechanism to reduce accrued PTO liability at no net cost. Funded entirely through the IRS-compliant service charge. No new budget line. No cash outlay. Measurable balance sheet impact.

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For Every Employee

A debt-free path to financial wellness using value they have already earned. Whether it is retirement savings, an emergency expense, a student loan payment, or sharing time with a colleague in need — the choice belongs to the employee.

Trusted by Leading Organizations. Proven by Real 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.

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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
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.

Your Employees Have Already Earned It.

PTO Exchange gives them the freedom to use it — and gives your organization the structure, compliance, and financial clarity to support them.

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