Equity Compensation

What is your offer actually worth?

Model base, bonus, and RSU vesting across bear / base / bull stock scenarios — with real after-tax take-home for any US state, year by year. Pull a public company's live price and volatility to seed realistic assumptions.

Cumulative after-tax compensation
Bear Base Bull
Year-by-year breakdown
YearBaseBonusRSU vestGrossTaxTake-home

Estimates only — not tax advice. Uses 2025 federal brackets, the standard deduction, FICA (Social Security to the wage base + Medicare incl. the additional 0.9%), and 2025 state brackets / flat rates plus an optional local rate. RSUs are taxed as ordinary income at vest. Real results vary with deductions, RSU withholding, AMT, capital-gains timing, state sourcing, and local rules. State bracket thresholds are inflation-indexed estimates — verify against your state's revenue department before relying on them.

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IBM (IBM) Equity Compensation Calculator

Weighing an offer from IBM? Your IBM RSUs are only worth what they're worth after the stock moves and after taxes. Enter your grant above to project base, bonus, and RSU vesting across bear, base, and bull cases — and see your real after-tax take-home, year by year, for any US state.

How are IBM RSUs taxed?

IBM RSUs are taxed as ordinary income at vest, based on IBM's share price on the vesting date. Federal withholding defaults to 22%, which is often too low for high earners, plus FICA and your state's income tax.

What bear, base, and bull growth should I use for IBM?

Look up IBM in the calculator and it derives a likely (±1σ) or wide (±2σ) range from the stock's real historical volatility around a neutral long-run growth assumption. These are editable assumptions, not predictions.

Does this account for refresh grants and promotions at IBM?

Yes — you can model annual refresh grants and a promotion (base bump plus a new grant) to see how your IBM total compensation compounds over time.

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