Resignation Date Optimiser

Your last working day is your resignation date plus your notice period. Several things you've earned only pay out if that last day falls on or after a particular date, so resigning a few weeks too early can cost more than a month's salary. This tool lists those dates, works out what each is worth, and finds the resignation date that keeps the most money once you account for what waiting costs you at the new job.

Gratuity is the biggest one. Permanent employees qualify after 5 years of continuous service; since the Code on Social Security took effect on 21 November 2025, fixed-term employees qualify after 1 year and are paid proportionately. The amount is 15 days of last-drawn basic (plus DA) for every year of service, on a 26-day month, with a part year of more than six months counted as a full year. Gratuity is tax-free up to ₹20 lakh. Some High Courts have accepted 4 years and 240 working days as enough, but the question isn't settled, so this tool treats your 5-year anniversary as the safe date and flags the year before it as a grey zone.

Bonuses often require you to be on the payroll on the payout date. ESOPs and RSUs vest only if you're still employed on the vesting date — and remember that vested options usually have to be exercised within a short window after you leave. Leave encashment keeps growing while you work; on leaving, it's tax-free for non-government employees up to a lifetime limit of ₹25 lakh.

On the other side, every month you delay costs you the extra pay you'd earn at the new job. The tool compares each candidate date — resign now, or just late enough to reach each milestone — and recommends the one with the best net result. Your inputs never leave your browser. Always confirm the exact rules in your offer letter, bonus policy and ESOP plan before you resign.