Disclaimer

Last updated: October 22, 2026

Welcome to Share Incentive Plans Calculator (“we”, “us”, “our”). By using shareincentiveplanscalculator.com (the “Website”), including its calculator, articles, tables, examples and downloadable PDF output, you acknowledge and accept the terms of this Disclaimer. If you do not agree with it, please do not use the Website.

1. Educational Purpose Only

The calculator and all related content are provided to help you understand how employee equity such as RSUs, ESOP shares and stock options might behave under assumptions you choose. They are meant for general learning and personal planning. They are not designed to be relied upon as the sole basis for any financial, tax or employment decision.

2. No Professional Advice or Advisor Relationship

We are not registered investment advisers, certified public accountants, tax preparers, attorneys or financial planners. Nothing on the Website creates an advisory, fiduciary, attorney-client or any other professional relationship between you and us. Using the Website, contacting us, or reading our content does not replace personalized guidance from a licensed professional who understands your complete circumstances.

3. Results Are Estimates, Not Guarantees

Every figure the calculator displays is the mathematical outcome of the numbers you enter combined with simplified assumptions built into the tool. In particular:

• Growth rates are hypothetical. The Conservative, Moderate and Aggressive options, and any custom rate you enter, are illustrations only. They are not forecasts, and actual share prices can rise, fall or stay flat. Past performance does not indicate future results.
• Stock options can lose all value. If a share price does not exceed the strike price, an option may be worth nothing.
• Vesting is simplified. The tool uses a straightforward vesting model and may not reflect your plan’s cliffs, performance conditions, acceleration clauses, forfeiture rules, blackout periods or other terms.
• Private company shares may be illiquid, may carry transfer restrictions, and may not be saleable at any particular price.
• Corporate events such as stock splits, buybacks, mergers, acquisitions or dilution are not modeled.

3A. Tax Estimates

Tax figures are approximations. The flat-rate option applies a single percentage that you provide. The advanced option uses a simplified combined rate based on general federal rates, payroll taxes and state supplemental withholding assumptions. These approaches may differ from the amount actually withheld or actually owed because your real tax outcome depends on factors the tool does not know, including:

• your total income from all sources, filing status, deductions and credits;
• local, city or other taxes beyond the states offered in the tool;
• the type of award and how your employer reports and withholds on it;
• Alternative Minimum Tax (AMT), which the calculator does not model and which can be significant for Incentive Stock Options;
• capital gains treatment, holding periods and any special elections, such as an 83(b) election;
• changes in tax law, thresholds or rates after the date of the latest update to the Website.

Tax rules change, and we cannot promise that every rate or threshold shown is current at the moment you read it. Please confirm current rules with the relevant tax authority or a qualified tax professional.

4. United States Focus; Not a UK HMRC Calculator

The tool is designed around general United States equity compensation concepts. It is not built for the United Kingdom’s HMRC-approved Share Incentive Plan, nor for the rules of any other country. If you are subject to non-US tax or securities rules, the results shown may be inaccurate or inapplicable to you.

5. Accuracy of Information

We aim to keep the Website’s content clear and reasonably up to date. However, we make no representation or warranty, express or implied, that the content, formulas, examples or calculations are complete, error-free, current or suitable for your purposes. Worked examples use rounded, illustrative figures and do not represent any real company, person or outcome. Software errors, browser differences or rounding may also affect displayed results.

6. Your Inputs and Your Responsibility

The output depends entirely on what you enter. You are responsible for checking your inputs against your official grant agreement, plan documents, payslips and brokerage or plan administrator statements. Where the calculator and your official documents differ, your official documents and your employer’s plan terms take priority.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Share Incentive Plans Calculator, its owners, authors, contributors and affiliates will not be liable for any loss or damage of any kind, whether direct, indirect, incidental, consequential or special, including financial loss, lost profits, missed opportunities, tax penalties or interest, arising from your use of, or inability to use, the Website, or from reliance on any information, estimate or PDF export it provides. You use the Website at your own risk.

Nothing in this Disclaimer excludes or limits liability that cannot lawfully be excluded or limited.

8. Third-Party Links and Content

The Website may link to websites, tools or resources operated by others. These links are provided for convenience. We do not control, endorse or take responsibility for the content, accuracy, privacy practices or availability of third-party sites. Visiting them is at your own discretion and risk.

9. PDF Exports and Saved Results

Any PDF or other export created through the calculator reflects the same estimates and limitations described above. Sharing it with an advisor, employer, lender or anyone else does not make it an official statement, valuation or tax document.

10. Changes to the Website and This Disclaimer

We may update the calculator, the content, or this Disclaimer at any time without prior notice. The “Last updated” date at the top shows when this page was most recently revised. Continued use of the Website after changes are posted means you accept the revised version.

11. Related Policies

Please also review our Privacy Policy and Terms and Conditions, which apply together with this Disclaimer.

12. Contact Us

If you have questions about this Disclaimer or notice something on the Website that looks incorrect, please reach out through our Contact Us page.