RSU · Stock Options · ESPP — most tech employees don't know their golden handcuff amount or cliff date

Most tech employees have no idea what their equity is actually worth — or when to act.

Paste your grant details. Get a complete breakdown: vesting schedule with $ values at current price, cliff analysis, tax exposure (AMT, W-2 income, ESPP holding periods), how much you'd forfeit by leaving today, and what's negotiable.

Analyze my equity — $99→What we cover

Your stock grant agreement has pages of conditions most people never read. We surface the numbers that matter: your current vesting value, your cliff, your tax exposure, and your golden handcuff.

Part of the AEQUARA Suite · 46 AI tools · Not legal/financial advice

$34K

Average equity forfeited by employees who resign 8 weeks before their next cliff

37%

Ordinary income tax rate applied to RSUs at vest — not capital gains

3 types

RSUs, options, and ESPP all analyzed in one complete report

Every number that matters in your equity package

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Vesting schedule + cliff analysis

Total grant value at current stock price. Exact cliff dates. Quarterly/monthly vesting amounts. How much you'd walk away from if you quit today vs. in 6 months vs. at fully vested.

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RSU tax breakdown

RSUs are W-2 income at vesting — most people don't realize they're taxed at ordinary income rates, not capital gains. We flag the vest dates where tax withholding may be insufficient.

⚙️

Stock options: NQSOs vs ISOs

NQSOs create ordinary income at exercise. ISOs can trigger AMT. We run the math on intrinsic value, exercise strategies (early exercise, exercise-and-hold vs. same-day sale), and ISO AMT exposure.

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ESPP analysis

15% discount on lower of enrollment/purchase date (lookback). Qualifying vs. disqualifying dispositions. How long to hold for favorable tax treatment. The actual annualized return on your ESPP contributions.

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Golden handcuff calculation

The exact dollar amount you'd leave on the table if you left today, in 3 months, 6 months, 1 year. Most people don't do this math. Now you have it.

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Negotiation flags

Acceleration provisions (single/double trigger on acquisition), equity refresh cadence, cliff negotiation levers when changing companies. What's standard vs. what to push on.

One analysis. One payment. Save $400+ vs. a financial advisor consultation.

Starter

$39

Vesting schedule and golden handcuff calculation — the two numbers most critical for career decisions.

RSU vesting schedule with live $ values
Golden handcuff calculation
Tax exposure flags (AMT, W-2 income)

Start with Starter

Full Analysis

$99

Complete equity breakdown. Enter your grant details once, get the full picture.

RSU vesting schedule with live $ values
Stock options analysis (NQSOs + ISOs)
ESPP discount + holding period analysis
Golden handcuff calculation
Tax exposure flags (AMT, W-2 income, withholding gaps)
Negotiation leverage guide

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Frequently asked

Is this financial advice?

No. This is analysis and math — calculating what your grant is worth, what you'd forfeit by leaving, and what the tax implications are. For tax planning decisions above $50K, consult a CPA or fee-only financial planner.

What information do I need to enter?

Grant date, grant size (# of shares), vesting schedule (4-year/1-year cliff is the standard), current stock price, type of equity (RSU / NQSO / ISO / ESPP), and if options: strike price. All inputs stay in your browser session.

My company is private (pre-IPO). Does this work?

Yes, with a caveat: for private companies, use your last 409A valuation as the current price. We flag pre-IPO illiquidity risk and note that 409A valuations are typically discounted vs. preferred share price.

Is Equity Comp Analyzer worth $99?

Fee-only financial advisors charge $200–$500/hr for equity compensation analysis. At $99 you get the same vesting schedule, golden handcuff calculation, and AMT modeling in under 2 minutes.

What if I don't get results?

If the analysis does not calculate your vesting schedule, golden handcuff value, and at least one tax exposure flag, email us within 7 days for a full refund.