PTO Exchange | Report and Paper

Introduction to PTO Exchange: Flexible Benefits for an Evolving Workforce

Written by Carmen Williams | Jun 16, 2026 2:29:09 PM

Flexible Benefits for an Evolving Workforce

PTO Exchange is the first benefits platform that allows employees to self-direct the value of their unused paid time off (PTO) for personal needs and causes such as life planning, education, philanthropy, vacation, and more. Our platform helps companies increase employee engagement, staff retention, and loyalty while reducing balance sheet liabilities and reinforcing a positive culture.

“We are always looking for new ways to support our team members, who are literally on the front lines of the COVID-19 crisis serving our community. The ability to tap into unused PTO creates meaningful benefits for employees and also helps differentiate us as we recruit for top talent.”
— Paul Rauseo, Vice President of HR at Howard Brown Health

Employees Exchange
Unused Vacation For

Financial Wellness:

  • Deposit PTO in 401(k) / 403(b)

  • Fund HSA

  • Student Loans / Tuition Payments / 529 Plans

  • Cash Out / Emergency Cash

Social Wellbeing:

  • Donate to over 1.7 million nonprofits

  • Administer Matching Programs

  • Share PTO with colleagues

Travel:

  • Hotels

  • Airfare

  • Car Rentals

Benefits from Using PTO Exchange:

  • Set your organization apart for recruiting and retention to win the War for Talent
  • Provide flexibility for an  increasingly multi-generational employee base
  • Innovative, employee friendly benefit to reinforce your company as a “Great Place to Work”
  • Drive down bloated PTO liabilities with no incremental
    increase to HR spend
  • Develop Financial Wellness programs to help employees  establish responsible fiscal behaviors
  • Quick and easy implementation with leading payroll systems

Ready to Modernize Your PTO Program?

Unused vacation doesn’t have to go to waste. With PTO Exchange, you can turn unused PTO into a strategic benefit—helping employees support their families, reduce debt, save for retirement, or simply gain peace of mind.

👉 Schedule a personalized demo
👉 Explore use cases and client stories
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