Estimate the age when repeated annual ESPP contributions could reach a target cumulative after-tax profit. Each annual purchase uses the entered discount, then grows to the end of the horizon under a constant return assumption. The calculator searches whole years up to your chosen maximum.
The main result is the first modeled whole-year age when cumulative after-tax profit reaches the target.
This simplified model ignores contribution limits, lookback rules, changing prices, dividends, payroll timing, and detailed qualifying-disposition tax rules.
Starting at age 30 with $10,000 annual contributions, a 15% discount, 5% growth, a 25% tax rate on profit, and a $25,000 goal, the tool accumulates yearly lots until the target is reached.
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 |
|---|---|---|
| Current age | Your age today. | years |
| Annual contribution | Contribution at each year-start. | USD |
| Purchase discount | Immediate purchase-price discount. | % |
| Annual share-price growth | Constant scenario assumption. | % |
| Tax rate on profit | Simplified rate on modeled profit. | % |
| Target after-tax profit | Profit goal above contributions. | USD |
| Maximum horizon | Whole years to search. | years |