Multi-Grant Stock Option Calculator

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Grant Year Options Strike Price Vesting Period Actions

Strategy Explanations:

  • All at Retirement: Exercise all your options in your final year of work.
    Pros: Simple to execute, aligns with retirement date, no multi-year planning needed.
    Cons: Could push you into a much higher tax bracket, especially with large gains; less flexibility.
  • Split Over 2 Years: Spread exercise across two calendar years to reduce the tax burden.
    Pros: Helps smooth out income to avoid top marginal tax rates; still relatively simple.
    Cons: Requires careful planning and potentially holding shares for part of the time.
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