One Platform. Many Financial Benefits. No New Employer Cost.
PTO Exchange offers three powerful solutions that transform unused earned time off into meaningful financial benefits for employees — while reducing liability and costing employers nothing new.
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Trusted by Leading Organizations
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PTO Exchange

Convert the Value of Unused PTO into Financial Benefits Your Employees Will Actually Use

PTO Exchange is the only patented, IRS-compliant platform that lets employees direct the value of their unused earned time off into retirement savings, emergency cash, student loan repayments, health savings, and more — automatically, at no net cost to the employer.

Life Planning Account (LPA)

A Flexible Wellness Benefit Your Employees Will Actually Notice.

Life Planning Accounts give employees a personalized, employer-funded spending account for the wellness categories that matter most to them — fitness, mental health, student loans, retirement, and more. You set the budget and approved categories. PTO Exchange handles everything else.

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Life Planning Account (LPA)

A Flexible Wellness Benefit Your Employees Will Actually Notice.

Life Planning Accounts give employees a personalized, employer-funded spending account for the wellness categories that matter most to them — fitness, mental health, student loans, retirement, and more. You set the budget and approved categories. PTO Exchange handles everything else.

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Giving Exchange

Help Employees Break the Paycheck-to-Paycheck Cycle — Without Adding to Your Benefits Budget.

Savings Exchange is a payroll-integrated financial wellness platform that automatically enrolls employees in an emergency savings plan — giving them a safe, accessible account to build financial resilience, cover unexpected expenses, and balance short-term needs with long-term goals. Fully Secure 2.0 compliant. Zero cost to the employer to offer.

Help Your Employees Unlock the Full Value of Their Paid Time Off

Boost engagement, retention and satisfaction for your employees while providing flexibility by seamlessly integrating PTO Exchange into your total rewards package. Do your employees need their PTO cash payout quickly for unexpected expenses? Early-Access Cash now available - schedule a demo to learn more!
Schedule Your Personalized Demo

Frequently Asked Question

01

What is Savings Exchange?

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  • Savings Exchange is a payroll-integrated emergency savings platform that automatically enrolls employees in a savings plan, gives them flexible access to funds for emergencies, and supports employer matching — all fully compliant with Secure 2.0.

02

Does Savings Exchange cost the employer anything to offer?

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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 quickly can employees access their savings?

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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

04

How is Savings Exchange different from a 401(k) or HSA?

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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

05

Does Savings Exchange support Secure 2.0 compliance?

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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

06

Can employees fund Savings Exchange with their PTO value?

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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