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, increasing employee loyalty while reducing liability. For maximum benefit, offer PTO Exchange, Savings Exchange and Life Planning Accounts.
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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 including 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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Savings 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.

Trusted by Leading Organizations

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!

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Frequently Asked Question

01

What is a PTO Exchange program?

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  • A PTO Exchange program lets employees convert the value of their unused, earned paid time off into financial benefits they can actually use — like retirement contributions, emergency savings, student loan payments, or HSA funding. PTO Exchange is the only patented, IRS-compliant platform built to do this, and it operates at no net cost to the employer.

02

How does a PTO Exchange program work?

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  • PTO Exchange connects directly with your existing payroll system, so there's no manual data manipulation or added headcount. Employees log into a simple portal and choose where the value of their unused PTO goes — retirement savings, emergency cash, student loan repayments, HSA contributions, charitable giving, or leave sharing with a colleague. From there, PTO Exchange handles IRS-compliant processing, payroll integration, and real-time reporting automatically. Employers see PTO liability go down; employees get a benefit they'll actually use.

03

What is a Life Planning Account?

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  • A Life Planning Account (LPA) is an employer-funded spending account employees can put toward the wellness categories that matter most to them — things like fitness, mental health, student loans, or retirement. Employers set the budget and the approved categories; PTO Exchange manages the rest. It's a flexible way to round out a benefits package employees will actually notice.

04

What is a Savings Exchange?

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  • Savings Exchange is a payroll-integrated emergency savings platform that automatically enrolls employees in a savings plan, giving them a secure, accessible way to build financial resilience and cover unexpected expenses. It supports employer matching and is fully Secure 2.0 compliant, offered at zero net cost to the employer.

05

What is Earned Wage Access?

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  • Earned Wage Access (EWA) is a category of tools that let employees draw against wages they haven't been paid yet, essentially advancing future pay early. It's important to note this is different from how PTO Exchange works: rather than pulling from future wages and creating new debt, PTO Exchange lets employees use value they've already earned through unused PTO. There's no advance, no repayment, and no debt — just choice over money that's rightfully theirs. 

06

Is there a cost to working with the company PTO Exchange?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to work with PTO Exchange. The platform and services are funded entirely through an IRS-required service charge paid by employees only if they make a transaction.