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Employee Stock Option Calculator

Enter your stock options

Your grant agreement says which type you have.

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For ISOs, "more than a year later" assumes the sale is also more than two years after the grant date, so the holding periods are met.

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Taxable income from everything else (after deductions), used to find which 2026 tax brackets the option income falls into. It is assumed the same in each year.

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More options
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7.65% covers Social Security (6.2%, only on wages up to $184,500 in 2026) and Medicare (1.45%). Use 1.45% if your wages are already over the Social Security limit, or 2.35% above $200,000 when the additional Medicare tax applies.

What your options could be worth

Pre-tax value of all options at the target

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After tax, all options

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Vested options, pre-tax

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Unvested options, pre-tax

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Value at today’s price (spread)
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Cash needed to exercise all options
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Taxed as ordinary income
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Capital gain or loss
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Federal income tax
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Payroll tax
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State income tax
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Net investment income tax
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Total estimated tax, all options
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Estimates for planning only, using 2026 federal brackets. Share prices are assumptions; the result is not a recommendation to exercise or sell.

Value at other share prices

Share priceVested, pre-taxAll options, pre-taxEstimated taxAll options, after tax

Results are estimates for educational purposes and are not financial, tax or legal advice.

Estimate what your employee stock options could be worth at a target share price, split between vested and unvested options, and the tax you might owe on non-qualified (NSO) or incentive (ISO) options. Pair this with the pivot point calculator for a fuller picture before you make a decision.