ESPP CALCULATOR · 60 SECONDS
What’s your ESPP actually worth?
Plan-aware math — lookback, discount, $25K IRS cap. We show you the number, the qualifying date, and how the tax outcomes compare. Education, never advice.
Phase 0 presets
Two purchases per offering (one every 6 months) · IRS $25,000 annual limit applied · no plan share cap · scenarios run at −20% / flat / +20% relative to your stock price. Full list below the result. Lookback discount uses lower of start or end price.
HOW THE MATH WORKS
The mechanics behind the number.
Discounted purchase price
Every purchase applies the plan's discount — up to the §423(b)(6) 15% statutory cap — to a reference price. With a lookback, that reference is the lower of the offering-start price and the purchase-date price. Without a lookback, it's just the purchase-date price.
Two purchases per offering
Standard §423 plans purchase every six months. A 12-month offering has two purchases; a 24-month offering has four. The calculator projects each purchase's shares and stacks them for the total.
$25,000 annual IRS limit
§423(b)(8) caps the fair-market value at grant to $25,000 per calendar year of participation. We enforce the cap on contributions before computing share count, and flag it in the result when it binds.
Three market scenarios
We surface the number under three symmetric outcomes: −20% (bear), flat, +20% (bull), relative to the price you entered. Cumulative projections extend the same rate for four years.
Tax comparison
We show both the qualifying-disposition outcome (§423-preferred: long-term capital gains on most of the gain, ordinary income on the discount only) and the disqualifying-disposition outcome (ordinary income on the full bargain element at purchase). This is illustration, not tax preparation.
Server-computed, not client-computed
The blurred preview is a client-side illustration only. The number we reveal after you enter your work email is re-computed on our server against the same IRC §423 math library — 82 golden test cases keep it honest.
Education, never advice. We show you the mechanics; decisions about participation, contribution level, or disposition timing are yours to make with your own tax or financial professional.