Cash invested
$3,250
A CapLock Simulator
ESPP Calculator
Model payroll contributions, purchase mechanics, holding periods, and estimated tax impact in one ESPP Calculator.
Section 423 limit modeledDiscount and match plan modesHolding period simulation
Unified calculation engine
ESPP purchase, limit, disposition, and tax model
Step 1
Your paycheck
Step 2
Your plan
Plan Type
Lookback??
Step 3
Stock prices and sale
Stock prices
Sale timing
Tax assumptions
Based on your inputs, you'd invest $3,250 and buy 38 shares at $85. Here's what happens depending on when you sell.
At purchase
Your instant ESPP snapshot
Discount ROI 17.6%Purchase-date ROI 31.8%
Purchase price
$85
Lookback applied
Shares owned
38
Unspent cash
$20
Returned or carried forward
423 limit
$21,200 remaining
Disposition Timeline
Disqualifying Long-Term
Crossing both the one-year-from-purchase and two-year-from-grant marks changes the federal tax treatment.
12 months / 2027-07-02
0 months36 months
GRANT
PURCHASE
1YR
2YR
Sell before both marks: disqualifying disposition
Sell here: qualifying treatment
You are here
At sale
Disposition outcome and tax comparison
Sell Now
Disqualifying Long-Term
Share sale proceeds$4,750
Unspent cash returned$20
Total value before tax$4,770
Ordinary income$1,026
Capital gain$494
Federal tax$320
State tax$202
FICA$78
Net proceeds$4,169
Hold to Qualify
Modeled at first qualifying date
Share sale proceeds$4,750
Unspent cash returned$20
Total value before tax$4,770
Ordinary income$570
Capital gain$950
Federal tax$279
State tax$202
FICA$0
Net proceeds$4,289
Waiting saves you $120 in this model.
Stock scenario
Sale price: $125
How does your outcome change if the price moves?
50%200%
Sell now net
$4,169
Hold net
$4,289
$25k Limit Widget
Based on your inputs, you can purchase up to 250 shares ($25,000 worth) this offering. You have $21,200 remaining in your annual limit.
The $1,026 ordinary income from a disqualifying disposition will appear on your W-2. Check whether your employer withheld taxes at sale.
California taxes all ESPP gains as ordinary income. There is no preferential capital gains rate at the state level.
California is flagged as a high-tax state in this model.
Built for equity teams
A better way to visualize ESPP purchases.
Participant-ready
Clear enough for employees exploring outcomes, detailed enough for stock plan teams.
Plan-aware
Models Section 423 discount plans, lookback mechanics, and match-style plans separately.
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