§ 41 · live tool

Promotion vs Job Switch

Counter-offer on the table or shiny new offer letter? See the full 3-year take-home over both paths — signing bonus, annual raises, BIR graduated tax, commute change, and a risk haircut on the new job.

Current job + counter-offer
New job offer
Time horizon
Commute & risk

If new job adds 30 min commute each way × 5 days = 5 extra hrs/week. Multiply by ₱200/hr (low) or ₱500/hr (medium) value of your free time.

Apply a haircut (5–20%) to new-job earnings if you're uncertain — new role might not work out, or future raises depend on a manager you haven't met.

Recommendation
Leave (new offer wins)
Total advantage over horizon
+₱245,635
Year-1 monthly delta
+₱10,783
Breakeven year
Y1
YearStay take-homeLeave take-homeCommute costΔ leave − stay
Y1₱691,100₱820,500₱0+₱129,400
Y2₱721,200₱777,900₱0+₱56,700
Y3₱752,385₱811,920₱0+₱59,535

Tool reviewed 2026-06-15

Where to next?
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§ 02

How it works

Stay path = current monthly × (1 + counter-offer %) compounded by annual raise %. Year 1: ₱60K × 1.10 = ₱66K/mo × 12 = ₱792K gross.

Leave path = new monthly × annual raise compounded, × (1 − risk haircut). Signing bonus added in year 1 only.

Take-home = gross − BIR graduated tax (TRAIN 2023 brackets). 13th-month tax-free portion of ₱90K not modeled — assume both jobs offer it, so it nets out.

Commute cost = extra hrs/week × ₱/hr × 52 weeks. Subtracted only from the leave path.

Pure browser math. Doesn't model HMO, RSUs, 14th-month, retirement plan, or 401(k) equivalents — add those manually to the annual raise % if they tilt the math.

§ 03

Frequently asked questions

Is a counter-offer ever actually worth taking?

Sometimes. Recent industry data (LinkedIn / JobStreet PH) suggests about half of employees who accept a counter-offer leave the company within 12 months anyway — once you've signaled you'd leave, trust may shift. This calculator shows the pure financial picture; the cultural and trust costs are separate. If the math is close (within 5–10%), the non-financial factors usually decide it.

Should I include the signing bonus in the comparison?

Yes, but in year 1 only and at its gross peso amount — the BIR will tax it at your marginal bracket (typically 25–30%). Note that many PH employers require you to refund the signing bonus pro-rated if you leave within 12–24 months, so don't spend it; treat it as a deferred liability until the clawback period ends.

What 'risk haircut' should I use for the new job?

Apply 5–10% if the new role is at a well-established company in a function you've done before. 15–20% if it's a startup, a new function, or a manager you haven't worked with. 25%+ if there are red flags (recent layoffs, founder turnover, market headwinds in their industry). The haircut reflects the chance that promised raises, bonuses, or even the role itself won't materialize.

How do I value my commute time?

Conservative: ₱150–250/hr (your after-tax hourly rate). Realistic for senior roles: ₱500–800/hr (what you'd pay for that time back). Aggressive: ₱1,000+/hr (because commute time is also fatiguing — not just time spent). 5 extra hours per week at ₱500/hr is ₱130,000/yr; that's a meaningful counterweight to a ₱10K/mo raise.

What about benefits, stock options, and RSUs?

This v1 keeps it cash-only. To approximate equity at a PH listed company, divide the granted shares by vest years and add the expected post-tax peso value as 'annual raise'. For private/foreign tech RSUs, discount aggressively (40–60% haircut) — many vest into illiquid stock with no buyers. HMO upgrades and 13th/14th-month differences are usually 1–3% of salary; add them as an effective raise.

Why does the tool say 'tossup' when one side is clearly higher?

We flag tossup when the total advantage is within 3% of your stay take-home — meaning the financial difference is smaller than the margin of error in your assumptions (raise %, signing bonus clawback, risk haircut). When you're inside that band, the non-financial factors (manager quality, growth path, lifestyle, family) should drive the decision.

Should I bring this calculator to the salary negotiation?

Bring the number, not the screen. 'I evaluated the offer over 3 years including the commute change and signing bonus, and to break even with my current trajectory I'd need a base of ₱XX,XXX' is a strong line. Don't show the spreadsheet — anchor with the conclusion. If HR asks for proof of competing offer, show the offer letter, not the calculator.

Does this save or transmit my data?

No. Everything runs in your browser. Salaries, offers, and risk assumptions never leave your device.