ESPP Calculator

Calculate the profit and return from your employee stock purchase plan.

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ESPP Profit

Enter your ESPP plan details to calculate potential profit.

ESPP profit per offering period
$0
Return: 0%
Purchase price (after discount)
$0
Shares purchased
0
Total cost
$0
Value at purchase
$0
Profit
$0
Annualized return
0%

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Stock price at offering ($)$100
Stock price at purchase ($)$120
ESPP discount (%)15%
Semi-annual contribution ($)$7,500
ResultValue
ESPP profit per offering period$3,080.00
Purchase price (after discount)$85.00
Shares purchased88
Total cost$7,480.00
Value at purchase$10,560.00
Profit$3,080.00

Values shown are produced by this page in your browser; change any input to update them.

How to use the ESPP Profit

  1. Stock price at offering ($) — default $100
  2. Stock price at purchase ($) — default $120
  3. ESPP discount (%) — default 15%
  4. Semi-annual contribution ($) — default $7,500
  5. Press Calculate to update the results instantly.

Frequently asked questions

An employee stock purchase plan lets you buy company shares with after-tax pay, often at a 10-15% discount to the market price.
Some plans use the lower of the price at the start or end of the offering period. That can turn a 15% discount into a much larger gain if the share price rose.
The discount is ordinary income at purchase; any further gain is capital gain when you sell. Holding for two years from grant and one year from purchase gets more favourable treatment.

Sources & references