Heads up — Estimate only — not legal or financial advice. Equity outcomes depend on terms not modeled here (preferences, board control, vesting acceleration, secondary restrictions).
Vested today
24,166
60.4%
Unvested
15,834
If you left today
24,166
you keep these
Cliff date
1/15/2025
passed ✓
Fully vested on
1/15/2028
Next vest
7/15/2026
+834 sh
Paper gain if exercised today
$157,079
($8 − $2) × 24,166 vested
Vesting schedule
| Date | This period | Cumulative | % | Value |
|---|---|---|---|---|
| 1/15/2025 | +10,000 | 10,000 | 25.0% | $65,000 |
| 2/15/2025 | +833 | 10,833 | 27.1% | $70,415 |
| 3/15/2025 | +833 | 11,666 | 29.2% | $75,829 |
| 4/15/2025 | +834 | 12,500 | 31.3% | $81,250 |
| 5/15/2025 | +833 | 13,333 | 33.3% | $86,665 |
| 6/15/2025 | +833 | 14,166 | 35.4% | $92,079 |
| 7/15/2025 | +834 | 15,000 | 37.5% | $97,500 |
| 8/15/2025 | +833 | 15,833 | 39.6% | $102,915 |
| 9/15/2025 | +833 | 16,666 | 41.7% | $108,329 |
| 10/15/2025 | +834 | 17,500 | 43.8% | $113,750 |
| 11/15/2025 | +833 | 18,333 | 45.8% | $119,165 |
| 12/15/2025 | +833 | 19,166 | 47.9% | $124,579 |
| 1/15/2026 | +834 | 20,000 | 50.0% | $130,000 |
| 2/15/2026 | +833 | 20,833 | 52.1% | $135,415 |
| 3/15/2026 | +833 | 21,666 | 54.2% | $140,829 |
| 4/15/2026 | +834 | 22,500 | 56.3% | $146,250 |
| 5/15/2026 | +833 | 23,333 | 58.3% | $151,665 |
| 6/15/2026 | +833 | 24,166 | 60.4% | $157,079 |
| 7/15/2026 | +834 | 25,000 | 62.5% | $162,500 |
| 8/15/2026 | +833 | 25,833 | 64.6% | $167,915 |
| 9/15/2026 | +833 | 26,666 | 66.7% | $173,329 |
| 10/15/2026 | +834 | 27,500 | 68.8% | $178,750 |
| 11/15/2026 | +833 | 28,333 | 70.8% | $184,165 |
| 12/15/2026 | +833 | 29,166 | 72.9% | $189,579 |
| 1/15/2027 | +834 | 30,000 | 75.0% | $195,000 |
| 2/15/2027 | +833 | 30,833 | 77.1% | $200,415 |
| 3/15/2027 | +833 | 31,666 | 79.2% | $205,829 |
| 4/15/2027 | +834 | 32,500 | 81.3% | $211,250 |
| 5/15/2027 | +833 | 33,333 | 83.3% | $216,665 |
| 6/15/2027 | +833 | 34,166 | 85.4% | $222,079 |
| 7/15/2027 | +834 | 35,000 | 87.5% | $227,500 |
| 8/15/2027 | +833 | 35,833 | 89.6% | $232,915 |
| 9/15/2027 | +833 | 36,666 | 91.7% | $238,329 |
| 10/15/2027 | +834 | 37,500 | 93.8% | $243,750 |
| 11/15/2027 | +833 | 38,333 | 95.8% | $249,165 |
| 12/15/2027 | +833 | 39,166 | 97.9% | $254,579 |
| 1/15/2028 | +834 | 40,000 | 100.0% | $260,000 |
Vesting progress
60.4%AI explainer
Ask anything about your result
The math above is deterministic. AI explains what it means — it never recalculates the numbers.
About
Standard startup vesting is 4 years with a 1-year cliff. This calculator shows exactly how many shares you've vested today, when you fully vest, and the paper gain if you exercised right now.
How it works
- 01Enter your total grant, strike price, current FMV, and vesting start date.
- 02We compute months elapsed against the cliff and total schedule.
- 03Below the cliff: 0 vested. After: linear vesting month-by-month to 100%.
- 04Paper gain = (FMV − strike) × vested shares. Real gain depends on tax treatment.
Examples
Two years in
40,000 options on 4-year/1-year-cliff, started 24 months ago: 20,000 vested (50%). At $8 FMV and $1.50 strike, paper gain is $130k — before tax.
Just past the cliff
12 months and 1 day in, you're 25% vested. Quit one day earlier and you'd have walked away with nothing.
FAQ
What if I have a different schedule?+
Change the 'Years' and 'Cliff' fields. Common variants: 3-year cliff for executives, monthly vesting from day 1 (no cliff), or 5-year schedules for early-stage hires.
Does the 'paper gain' account for taxes?+
No. Use the Secondary Sale Tax tool to estimate ISO/NSO/RSU tax on exercise or sale.
When does early exercise help?+
If FMV is close to strike, early exercise + 83(b) election starts the QSBS and long-term capital gains clock immediately. Risky if the company tanks — you can't get the cash back.
What is double-trigger acceleration?+
A clause where unvested shares accelerate only if (1) the company is acquired AND (2) you're terminated. Standard for executives, rare for ICs.
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