For office and corporate employees: what waiting costs you

59% of Indian employees report signs of burnout, against 22% across 30 countries. Office life makes it easy to push your own plans to next quarter. Here's what office workers often put off.

McKinsey Health Institute, via IANS (2023)

Start my list as one of the office workers

What office workers often put off

Commute time calculator: your daily travel in days a yearTurn your commute into full days a year, and see what one more day at home each week would give back.
Overtime calculator: the hours past your contract, in working daysTurn the hours you work past your contract into working days a year. 51% of India's workers put in 49 or more hours a week.
Unused leave: the rest you give back for freeSee how many leave days will lapse this year, and what that rest is worth at your daily pay. 59% of Indian employees report signs of burnout.
What putting off a raise or a job switch costs youSee the pay you miss while a raise talk or a job switch waits, and how the gap grows with every later raise.
Career change at 30, 40 or any age: how much it weighs on youThinking of changing your career? Weigh how much it matters to you and how much you'd regret not trying, then take one small step to find out more.
Starting something of your own on the side: how much it weighs on youA side business, a channel, a shop or an app: weigh how much your idea matters to you, and write down the smallest version you could try.
Start your startup: how long you could try it, and whether it's too lateWork out your runway from your own savings and costs. It's rarely too late: the average founder of the fastest-growing new firms started at 45.
Gratuity calculator: when it starts, and roughly how muchPermanent staff get gratuity after 5 years, and fixed-term staff after 1 year since the 2025 labour codes. See your date and rough amount.
Old PF accounts: check they're all under one UANChanged jobs a few times? See how many old PF accounts may be sitting apart, and the five-minute check on the EPFO portal.
Income tax return due date and late fee: what filing late costsSalaried people file by 31 July, and business income without an audit by 31 August. Late, it's a ₹1,000 or ₹5,000 fee plus interest. See your cost.
Your company's learning budget: what's still unusedMany companies give a yearly budget for courses. See how much of yours is still unused, and when it runs out.
The trip you keep putting off: how many have slipped byCount the trips that didn't happen while you waited, with friends, your partner, your parents or on your own, and pick the next one.
Visit your hometown: the days with family you have leftCount the days with family back home at your current pace, and how many more your plan would add.
Sleep debt: how many hours of sleep you've missedCount the hours of sleep you've missed against your aim, and the 7 or more hours a night that sleep doctors say adults need.
Strength training after 30: the sessions you've missedAfter 30, muscle mass drops by about 3% to 8% a decade. WHO suggests strength work 2 days a week. See the sessions you've missed since you meant to start.
Daily sunscreen and skin ageing: what skipping days adds up toIn a 4.5-year trial, daily sunscreen users showed no detectable increase in skin ageing. See how many days a year your skin goes without it.
Hair fall, acne or pigmentation: the dermatologist visit you keep putting offHair loss treatment tends to work best when it starts early. See how long you've waited, and book one small step this month.

Everyone's basics

Health, money and the people you love, at every age.

Your office year

The dates that matter in a salaried year. Some are your company's own, so only you know them.

The dates in an office year
When	What
1 April	A new financial year starts. It's a natural fresh start for a money plan. Dai, Milkman & Riis (2014)
Your company's date	The deadline to send proofs of what you've invested or spent, for tax.
15 June	Your employer must give you Form 16 by now. Income Tax Act and Rules, via Tax2Win and India Briefing (2026)
31 July	The usual last day for a salaried person's tax return. After it, a late fee applies. Income Tax Act and Rules, via Tax2Win and India Briefing (2026)
Your company's date	The leave year ends, and unused leave may lapse.
Your company's month	Appraisals. A natural time to ask for the raise you've been putting off.

Small step: Ask HR for your company's three dates (proofs, the leave year end and appraisals) and put them in your calendar today.

Meet someone like you

Arjun, 29
Software engineer in Bengaluru. An example, not a real person.
Start with a list like Arjun's
Aisha, 29
Consultant in Gurugram. An example, not a real person.
Start with a list like Aisha's
Priya, 33
HR manager and a parent. An example, not a real person.
Start with a list like Priya's
Rahul, 41
Sales manager. An example, not a real person.
Start with a list like Rahul's
Neha, 26
On a 2-year fixed-term contract. An example, not a real person.
Start with a list like Neha's

Questions people ask

Is this telling me to switch jobs?

No. We show what waiting costs on your own plans, like a raise you meant to ask for. What you do is always your choice.

Where do my answers go?

Nowhere. They stay in the link on your phone, like every answer on this site. Only people you share the link with can see them.

Source

McKinsey Health Institute, via IANS (2023): Self-reported symptoms, not a diagnosis.

We show what waiting costs on your own plans. We never tell you what to buy or invest in.