Resignation economics
Notice Buyout, F&F & Job Switch Planner
Estimate what happens between resignation and the first few months of your next job: notice shortfall, buyout, pending salary, leave encashment, deductions, joining bonus, reimbursement and the real break-even point of the switch. Then compare the offer and keep the next job action connected.
Current job
What can enter your F&F?
Notice & exit cost
Model your actual policy
Estimated payable shortfall
30 days
Approx. buyout ₹85,000
30 raw shortfall − 0 approved leave = 30 payable days. ₹85,000 ÷ 30 × 30. Alternative basic basis: ₹40,000.
New job
What does the move add?
Estimated monthly take-home gain
₹24,135
Planning estimate from Jobiba payroll assumptions.
Switch economics
What does leaving actually cost—or release?
Pending salary
₹42,500
Leave encashment
₹16,000
Estimated F&F
-₹36,500
Upfront switch cost
₹0
Old est. in-hand / month
₹91,877
New est. in-hand / month
₹1,16,012
First-year net difference
₹4,03,124
Break-even
Immediate / no net upfront cost
Policy verification
Before treating this as cash due
- • Confirm whether recovery uses basic, gross, fixed pay or another contractual base.
- • Confirm the daily divisor and whether earned leave can actually offset notice.
- • Check whether buyout is permitted at all; early release normally needs employer approval.
- • Read joining-bonus and buyout-reimbursement clawback clauses before counting them as permanent gain.
- • Variable pay may be forfeited or prorated around your last working date.
Next decision
Is the new offer good enough after the exit cost?
Compare fixed vs variable pay, market position, growth fit and city economics rather than looking only at CTC hike.
How to use the result
Check the basis
Your employer may calculate notice recovery on basic, fixed salary or gross salary. Use your policy or HR confirmation to replace the planner assumption before making a cash commitment.
Separate settlement from gain
A positive F&F does not automatically make the switch profitable. Compare the settlement, joining bonus, relocation cost and recurring monthly take-home together.
Read clawbacks
Joining bonus, retention bonus and buyout reimbursement can have repayment clauses. First-year economics should account for conditions you may trigger if the new role does not work out.
Continue the switch
Turn exit math into a reviewed next action
Do not resign because a calculator shows a positive number. Verify employer policy and the signed offer, then compare recurring compensation, negotiate material gaps and track the opportunity while dates are still changing.
Compare the offer
Put fixed, variable, work costs and career priorities on one baseline.
Continue →
Negotiate gaps
Use role-market evidence instead of an arbitrary hike percentage.
Continue →
Track the move
Keep stage and next action visible while the offer is reviewed.
Continue →
Keep options open
Check other salary-listed roles before closing the search.
Continue →
Connected exit benefit
Estimate gratuity under the current 2026 rules
Gratuity is deliberately kept as its own statutory calculation rather than being hidden inside F&F. Estimate it from the relevant wage and service period, then bring that number back into your switch decision.