How this calculator works
Your purchase price is the plan discount applied to the purchase-date price, or the lower of the offering and purchase prices with a lookback. In a qualifying sale, ordinary income is the lesser of your actual gain and the discount on the offering price. In a disqualifying sale, it's the full discount at purchase, and the rest is capital gain or loss.
Worked example
With the example values below: Estimated tax, $1,563 (on $9,152 total gain). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Price on offering date | $40 |
| Price on purchase date | $50 |
| Plan discount | 15% |
| Lookback provision? | Yes |
| Amount contributed | $12,000 |
| Sale price | $60 |
| Sale type | Qualifying (held 2 yrs from offer, 1 yr from purchase) |
| Ordinary income tax rate | 24% |
| Capital gains tax rate | 15% |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.