Total equity comp annualised.

Total equity compensation value combines RSUs, options (intrinsic value), and employer stock purchase program discounts. Annualized over vesting period for fair comparison with annual salary. Most public company employees underestimate equity comp by 30-50% because they ignore one or more components.

200k RSUs + 50k options intrinsic + 10k employer stock purchase program discount = 260k total equity over 4-year vesting = 65k/year annualised. Add to base salary for true total comp. 150k base + 65k equity = 215k effective annual comp. Significantly different from base-only number.

Equity comp components: RSUs (Restricted Stock Units) - vest into shares, taxed as income at vest. Options - right to buy at strike price, value when exercised. employer stock purchase program (Employee Stock Purchase Plan) - buy at 5-15% discount, instant gain. Each has different tax treatment and risk profile - understand all three when negotiating offers.

Run it with sensible defaults

Using rsu value of 200,000, options intrinsic value of 50,000, espp discount value of 10,000, vesting years of 4 years, the calculation works out to 65,000.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — RSU Value, Options Intrinsic Value, employer stock purchase program Discount Value, and Vesting Years — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Total = RSU + options intrinsic + employer stock purchase program discount. Annual = total ÷ vesting years. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Why investors run this

Most people's intuition for compounding is wrong — not because the math is hard, but because linear thinking doesn't account for curves. Running numbers through a calculator like this one is the cheapest way to recalibrate that intuition before making an irreversible decision about contribution rate, asset mix, or retirement age.

What this doesn't capture

Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.