Guide

OTE vs base vs commission

A recruiter quoting “$120k OTE” has told you almost nothing. This guide explains what each of the three numbers actually promises, and the six questions that reveal whether an OTE figure is real.

Reviewed 20 August 2026 · gross estimates, not payroll or tax advice

Three numbers, three very different promises

Short answer

Base salary is what you are paid for turning up. Commission is what you are paid for selling. OTE is base plus commission assuming you hit exactly 100% of quota — a forecast, not a guarantee. A recruiter quoting “$120k OTE” has told you almost nothing until you know the split.

Base salaryGuaranteed, paid monthly or fortnightly regardless of results. This is the only number in the offer you can plan a mortgage around.
Variable / commissionEarned against quota. Can be zero. Can also exceed target if the plan has accelerators.
OTE (on-target earnings)Base + variable at exactly 100% attainment. An arithmetic construction, not a salary. Sometimes written OTC (on-target compensation).

The split is the whole story

Two offers, both “$120,000 OTE”. Same headline. Radically different jobs.

Offer A — 80/20Offer B — 50/50
Base salary$96,000$60,000
Variable at target$24,000$60,000
Earnings at 0% quota$96,000$60,000
Earnings at 70% quota$112,800$102,000
Earnings at 130% quota (1.5× accelerator)$132,000$150,000
Offer A pays $36,000 more in a bad year. Offer B pays $18,000 more in a good one. Neither is better in the abstract. The question is how much control you have over the outcome — long enterprise cycles and inherited territories argue for a high base; short cycles, inbound leads and a proven patch argue for a high variable.

Typical splits by role: enterprise AE 50/50, mid-market AE 50/50 to 60/40, SDR/BDR 70/30 to 80/20, sales engineer 75/25 to 80/20, customer success with a renewal number 80/20 to 90/10, sales management 60/40 to 70/30.

What makes an OTE figure real or fictional

1
What percentage of the team hit quota last year? The single most useful question you can ask. If the answer is above 60%, the OTE is broadly real. Below 40%, the OTE is marketing. If nobody will answer, that is also an answer.
2
Is there a threshold? Many plans pay nothing below 60–80% of quota. A plan with a high threshold and a low base is a genuinely risky proposition.
3
Is the quota new, and how was it set? A quota built from last year’s actuals plus a growth factor is defensible. A quota reverse-engineered from a board target divided by headcount is not.
4
Is there a cap? A capped plan means the upside that justified the low base does not exist. See tiers, accelerators and caps.
5
Is there a draw, and is it recoverable? A guaranteed non-recoverable draw for the first two quarters is worth real money while you build pipeline. A recoverable draw is a loan against future commission, and it can leave you owing money.
6
When does commission actually pay? On booking, on invoice, or on cash collection? Cash-collection plans in a business with 90-day payment terms mean your Q1 performance appears in your Q2 bank account.

Comparing two offers properly

Do not compare OTE to OTE. Compare four numbers.

1
The floor. Base salary alone. What you live on in a bad quarter.
2
The realistic case. OTE multiplied by the proportion of the team that actually hits quota, or by your honest estimate of your attainment. If 50% of reps hit target, a $120,000 OTE with an $60,000 base is realistically worth around $90,000.
3
The ceiling. What the plan pays at 150% attainment, after accelerators and any cap. This is where high-variable plans earn their reputation.
4
The timing. When each pound or dollar actually arrives, given the payment trigger and the length of the sales cycle.

Run the numbers in the OTE calculator, then check the upside in the accelerator calculator.

Common misreadings

×
Treating OTE as salary on a mortgage application. Lenders generally want two years of evidenced variable income before they will count much of it, and many will count only 50%.
×
Assuming OTE is the maximum. It is the target, not the ceiling. Uncapped plans with accelerators can pay well above it.
×
Comparing an OTE to a bonus-bearing salary. A $120,000 OTE at 50/50 is a much riskier package than a $110,000 salary with a 10% target bonus, even though the headline is higher.
×
Forgetting that base drives everything else. Pension contributions, overtime rates where applicable, redundancy pay and mortgage capacity are usually calculated on base, not on OTE.

Frequently asked questions

What does OTE mean?

On-target earnings: base salary plus variable pay assuming you achieve exactly 100% of quota. It is a projection of total annual cash compensation at target performance, not a guaranteed salary.

Is OTE guaranteed?

No. Only the base salary component is guaranteed. The variable portion depends entirely on hitting quota, and in most plans it can be zero. Some offers include a guaranteed draw for the first one or two quarters, which is guaranteed only for that period.

What is a good OTE split?

It depends on how much control you have over the outcome. 50/50 is standard for quota-carrying account executives, 70/30 or 80/20 for SDRs and sales engineers, and 80/20 or 90/10 for customer success roles with a renewal target. Longer sales cycles and less control argue for a higher base.

How do I calculate OTE?

Add base salary to variable pay at 100% quota attainment. If you know the OTE and the split instead, multiply OTE by the base percentage to get base salary and by the variable percentage to get target commission.

Does OTE include bonuses?

It usually includes only the quota-linked variable component. Company-wide annual bonuses, signing bonuses and equity are normally quoted separately, so ask which elements a stated OTE contains before comparing offers.

Can I earn more than my OTE?

Yes, if the plan is uncapped or the cap sits above target. Plans with accelerators above 100% attainment are specifically designed to pay above OTE for overperformance. A capped plan limits how far above OTE you can go.

Related tools and guides

Written and reviewed by the BonusPayCalc editorial team. Every formula on this site is shown on the page that uses it, so you can check it against your own plan document. Figures are gross planning estimates and not payroll, tax, legal or HR advice — see methodology.