The 5 Big Losses When You Resign
- Annual bonus: most companies pay 100% only if you're "employed for the full year"
- Quarterly bonus: leaving in Q4 forfeits the Q4 payout
- Equity: unvested shares are forfeited — losses from tens of thousands into the millions
- Unused leave: payable at 300% of wages, yet easily forgotten
- Sign-on / retention bonuses: some companies claw them back
Being Let Go vs Resigning
| Item | Resignation | Termination |
|---|---|---|
| Severance | None | N or 2N |
| Annual bonus | Per company policy | Pro-rata |
| Unemployment benefits | Not eligible | Eligible |
| Next employer's background check | No impact | May show as "laid off" |
When Job-Hopping Pays Best
Prime timing: after the annual and quarterly bonuses land and your leave is used → March–April.
Runner-up: avoid the company's fiscal year-end (June or December at some firms) so you don't miss the annual raise.
Checklist for the New Employer
- Probation pay: lawful discounts go down to 80% of salary
- Probation length: 1 month for contracts under 1 year, 2 months for 1–3 years, up to 6 months beyond
- Background checks: usually HR at your old company; salary details aren't checked
- Social insurance: the new employer must enroll you within 30 days
💡 Skip the math — try the GFWPS tool:Resignation Cost →