Stock Option Value Calculator

Total Intrinsic Value is a pre-tax figure -- it's the gross spread between Current Share Price and Strike Price across your vested options, before any tax is applied. Tax Rate on Gains only comes into play when computing Estimated Tax and After-Tax Value, which are separate, downstream figures. This keeps the pre-tax and post-tax pictures cleanly separated.

No -- it applies a single flat Tax Rate on Gains to the entire spread regardless of option type. In reality, Incentive Stock Options (ISOs) can qualify for lower long-term capital gains rates if you meet specific holding-period rules, but can also trigger Alternative Minimum Tax at exercise; Non-Qualified Stock Options (NSOs) are simply taxed as ordinary income on the spread at exercise. These produce meaningfully different after-tax outcomes that this simplified model doesn't distinguish -- enter a tax rate that reflects your specific situation, or consult a tax advisor.

It's a simplified approximation, not a full options-pricing model -- roughly 10% of the current share price per year of Years to Expiry remaining, scaled by the square root of time. A real valuation (like Black-Scholes) would also require the stock's volatility as an input, which this calculator doesn't collect, so treat the time-value component as a rough directional estimate rather than a precise premium.

Intrinsic value per option is floored at zero -- an option is never worth a negative amount, since you simply wouldn't exercise it if the strike price exceeds the market price. Total Intrinsic Value and After-Tax Value both go to zero in that case, though Est. Total Value (incl. time) can still show a small positive figure from the time-value component, since an out-of-the-money option can still have value if there's time left for the stock to recover.

No -- Vested Percentage is a single snapshot value you enter, not a calculated result of a 4-year vesting schedule with a 1-year cliff (the most common structure) or your specific grant's terms. Check your equity plan documents or cap table software for your actual vested amount as of today, and re-run this calculator periodically as more of your grant vests.