Stock Options & RSU Calculator
Value your equity compensation and estimate tax obligations. Model ISOs, NSOs, and RSU vesting schedules with exercise timing strategies.
Current Monthly Payment
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New Monthly Payment
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Est. Interest Saved
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Break-Even
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Spread: $15.00/share
Current Spread Value
$150,000
10,000 shares × $15.00
Exercise Cost
$100,000
10,000 × $10.00
Sell Immediately
$102,000
Tax: $48,000
Hold 1+ Year
$127,500
Tax: $22,500
Potential tax benefit from holding
+$25,500
ISO qualifying disposition: hold 2+ years from grant, 1+ year from exercise
After-Tax Proceeds Comparison
Analyze a new equity compensation offer
Incentive Stock Options (ISO)
Favorable tax treatment if holding requirements met
Current spread: $15.00/share
Vesting Schedule
Price Scenarios
Total Shares
10,000
Strike Price
$10.00
Current FMV
$25.00
Current Spread Value
$150,000
Scenario Analysis: Net Proceeds After Tax
ISOs: Holding 1+ year from exercise (and 2+ years from grant) may qualify for long-term capital gains treatment.
Detailed Tax Analysis by Scenario
| Scenario | Price | Gross | Exercise Cost | Tax (Sell Now) | Net (Sell Now) | Tax (Hold) | Net (Hold) | Benefit |
|---|---|---|---|---|---|---|---|---|
| 50% Drop | $12.50 | $125,000 | $100,000 | $48,000 | -$23,000 | $3,750 | $21,250 | +$44,250 |
| 25% Drop | $18.75 | $187,500 | $100,000 | $48,000 | $39,500 | $13,125 | $74,375 | +$34,875 |
| No Change | $25.00 | $250,000 | $100,000 | $48,000 | $102,000 | $22,500 | $127,500 | +$25,500 |
| 50% Gain | $37.50 | $375,000 | $100,000 | $88,000 | $187,000 | $41,250 | $233,750 | +$46,750 |
| 2x | $50.00 | $500,000 | $100,000 | $128,000 | $272,000 | $60,000 | $340,000 | +$68,000 |
| 3x | $75.00 | $750,000 | $100,000 | $208,000 | $442,000 | $97,500 | $552,500 | +$110,500 |
| 5x | $125.00 | $1,250,000 | $100,000 | $368,000 | $782,000 | $172,500 | $977,500 | +$195,500 |
* Highlighted rows indicate stock price below strike price (options are underwater)
Vesting Schedule
Cliff
Feb 2027
2,500 shares
100% Vested
Feb 2030
9,988 shares
Key Considerations for ISO
- • Qualifying disposition: Holding shares 2+ years from grant and 1+ year from exercise may result in long-term capital gains treatment.
- • Disqualifying disposition: Selling earlier typically triggers ordinary income tax on the spread at exercise.
- • AMT consideration: The spread at exercise may be subject to Alternative Minimum Tax (not modeled here).
- • Break-even price: Based on these inputs, the stock must be above $10.00 for the options to have positive value.
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·Does not account for Alternative Minimum Tax (AMT) implications for ISOs.
- ·Tax rates used are estimates. Consult a tax professional for your specific situation.
- ·Does not model state or local taxes.