Understand your PTO liability and what it means for financial risk.
Whether you already know your PTO liability or need help estimating it, this calculator benchmarks your exposure and shows what PTO Exchange could save your organization.
Accrued PTO is more than time off. It's an unsecured financial obligation that grows quietly year over year. This calculator helps you estimate your exposure and understand the financial impact it may be creating on your books.
PTO Liability Calculator
Adjust the inputs to see your estimated exposure.
This calculator provides an estimation based on general industry assumptions. Actual results may vary based on your organization's specific PTO policies, workforce composition, and program configuration. Contact us for a personalized analysis.
Request a demoTurn a quiet liability into a measurable win
A simple breakdown of why accrued PTO matters and how an exchange program changes the math.
What PTO liability is
Every unused PTO day on your books is an accrued financial obligation — payable at current wages, growing as salaries rise.
How the savings work
Employees exchange a portion of accrued PTO for benefits they actually want. Your books shrink, FICA exposure drops, and a retained service charge funds the program.
Year-over-year reduction
Liability compounds when ignored. PTO Exchange creates a steady, measurable reduction every year — without changing your PTO policy.
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