ESPP lookback return calculator
Raw and after-tax return on a qualified ESPP with a 15% discount and 6-month lookback.
ESPP lookback return calculator
A qualified ESPP with a 6-month lookback and 15% discount has a minimum guaranteed return on every period. Model what it actually pays out after tax.
Simplified model · assumes single offering · qualifying disposition requires ≥2 years from grant and ≥1 year from purchase · Consult your ESPP plan document
How to read the result
A qualified ESPP with a lookback provision guarantees a minimum return equal to the discount. The precise return depends on which end of the offering period sets the purchase price and on whether you sell immediately or hold past the qualifying disposition window.
This tool is educational. It uses 2025 single-filer federal brackets, a simplified state-tax model, and does not substitute for a CPA review of your specific facts. For a second set of eyes on a meaningful event, match with a fiduciary advisor who routinely works with equity compensation.
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