Employee Stock Purchase Plan Calculator
Calculate Your ESPP Discount, Potential Gains, and Investment Returns
Estimate the value of shares purchased through an employee stock purchase plan, including the discount benefit and potential gain or loss at the end of the purchase period.
17.6% return on contributions
*Assumes fractional shares may be purchased. Some plans purchase whole shares and return unused contributions. Results are before taxes, fees and any changes in stock price after purchase. Gain and return compare the shares' value at purchase with total payroll contributions; they are not annualized investment returns.
How does company stock fit into your retirement plan? WealthTrace lets you model your investments, taxes, and retirement outlook together.
Start a free trialHow Does Your ESPP Affect Your Retirement?
Your employee stock purchase plan is just one part of your financial picture. With WealthTrace Retirement Planning Software, you can see how your investments, savings, taxes, and retirement income work together to help you reach your retirement goals.
Start a free trial to see how your complete financial picture affects your retirement outlook.
Your Next Steps
Is too much of your investment portfolio concentrated in your employer's stock?
How could your ESPP contributions affect your long-term investment growth?
Could your ESPP help you retire sooner?
Find out with a free trial of WealthTrace.
ESPP Calculator Definitions
Stock Price Used for ESPP Discount
The stock price used to calculate your ESPP purchase price. Many plans use the lower of the stock price on the offering date or purchase date, known as a lookback provision.
Employee Purchase Discount
The discount your employer offers on company stock. For example, a 15% discount on a $50 reference price gives you a purchase price of $42.50 per share.
Stock Price at End of Purchase Period
The market price of your employer's stock at the end of the purchase period. This is used to estimate the value of your purchased shares and your potential gain or loss.
Contribution Per Paycheck
The amount deducted from each paycheck and contributed to your ESPP.
Number of Paychecks
The number of paychecks during your ESPP purchase period. For example, a six-month period typically includes 12 semimonthly paychecks or approximately 13 biweekly paychecks.
Calculator estimates are before taxes. Actual results depend on your employer's ESPP rules and applicable tax treatment.
See the Bigger Retirement Picture
Your employee stock purchase plan is just one part of your financial future.
With WealthTrace, you can project your investments, retirement income, taxes, and long-term financial outlook—all in one place.
