Estimate how long exercised stock-option shares can support planned annual withdrawals while the remaining shares change in value. The schedule separates the opening value, total withdrawals, investment growth, and ending balance so you can test whether a sale plan is sustainable. Results are planning estimates and do not model company-specific trading windows, taxes, or diversification risk.
The main result is the estimated value remaining after the final year-end withdrawal. The supporting figures show how much you began with, how much cash was withdrawn, and how market growth affected the plan.
Taxes, commissions, blackout periods, concentration risk, and price volatility are excluded. A constant growth rate is not a forecast.
With 1,000 shares at $25, a 5% annual growth assumption, $5,000 withdrawn each year, and a 10-year schedule, the calculator compounds the remaining balance and subtracts each year-end withdrawal.
No. Use the tax-rate input as a planning assumption; actual withholding and final liability can differ.
Yes, where a growth field is provided, but the rate must remain above negative 100 percent.
The math can use fractional shares. Your employer plan or broker may restrict actual purchases or sales to whole shares.
No. The calculator uses the single price or constant growth assumption you enter and does not simulate volatility.
No. It is an educational estimate; confirm option, RSU, or ESPP treatment with a qualified tax professional.
| Variable | Meaning | Unit |
|---|---|---|
| Exercised shares | Shares available at the start. | shares |
| Current share price | Current value per share. | USD |
| Expected annual price growth | Constant annual assumption. | % |
| Annual withdrawal | Amount sold at each year-end. | USD |
| Schedule length | Number of annual withdrawals. | years |