# Share Incentive Plan Calculator ## Posts - [UK Share Schemes Compared: SIP, SAYE, EMI and CSOP](https://shareincentiveplancalc.com/uk-share-schemes-compared/): The UK has four tax-advantaged share schemes: SIP, SAYE, EMI and CSOP. Two must be offered to every employee, two are handed out selectively, and only one lets you take your money back if the share price falls. Which one you are offered is your employer’s decision, not yours. The difference that decides everything Most comparisons lead with contribution limits. The more useful question is what happens when the share price goes the wrong way. Scheme Your cash at risk Discount allowed Minimum hold for relief SIP Yes, from gross pay Not applicable, bought at market value 5 years SAYE No, […] - [Share Incentive Plan Rules and the 5-Year Holding Period](https://shareincentiveplancalc.com/share-incentive-plan-rules/): A Share Incentive Plan lets UK employees receive or buy shares in their employer with Income Tax and National Insurance relief. Two separate clocks run on those shares: a holding period your employer sets, and a five-year tax clock set by law. They rarely end on the same day, and confusing them is the most expensive mistake in the scheme. The two clocks nobody explains The holding period is a contract. For each award of free shares your employer must specify a period during which you are bound by contract to leave the shares with the trustees and not to assign, […] - [What Happens to SIP Shares If You Leave Your Job](https://shareincentiveplancalc.com/share-incentive-plan-leaver-rules/): When you leave your employer, your SIP shares must come out of the plan trust. Two separate things can then happen: you may lose some shares to forfeiture, and you may pay Income Tax and National Insurance on the rest. Your leaving reason decides both. Forfeiture and tax are two different risks Most guidance treats leaving a SIP as a tax question. It is two questions, and forfeiture is the one that takes more from you. A resignation at year two can trigger both at once: free and matching shares forfeited, and the partnership shares you paid for taxed on the […] ## Pages - [Disclaimer](https://shareincentiveplancalc.com/disclaimer/): The calculator gives estimates for planning. It is not financial, tax, investment or legal advice, and using it does not create any advisory relationship. Projections assume the growth rate you enter, applied evenly. Real share prices do not behave that way, and a projection is not a forecast of what your shares will be worth. Tax outcomes depend on your own circumstances, your plan’s rules, and where you live and work. Your plan document and your employer’s terms override anything stated here. Rates and limits change. We check them each tax year and when they move, but check the position with […] - [Contact Us](https://shareincentiveplancalc.com/contact-us/): Use the form below for the quickest reply. It reaches us directly and we answer in the order messages arrive. You can also email hello@shareincentiveplancalc.com if you prefer. - [About Us](https://shareincentiveplancalc.com/about-us/): This site does one thing: works out what employee shares are worth after tax. The calculator covers four types of award. UK Share Incentive Plans, including free, partnership, matching and dividend shares, with the HMRC rules that decide tax under three years, between three and five, and after five. RSUs, including the gap between the 22% withheld and what your bracket actually costs. ESPP purchases, comparing a sale at purchase against a qualifying disposition. And stock options, with break-even and the ISO or NSO difference. You get a year-by-year table, a growth chart, a tax breakdown and a printable summary. Currency […] - [Stock Option Calculator: The ISO AMT Escape Hatch](https://shareincentiveplancalc.com/stock-option-calculator/): Exercising incentive stock options can produce an alternative minimum tax bill on a paper gain, in a year when you have sold nothing and received no cash. How large it is depends on the spread. Whether it survives depends on what you do before 31 December. The escape hatch that closes on 31 December Exercise ISOs and hold them past year end and the spread becomes an AMT preference item. Sell those same shares before 31 December and it never becomes one. Section 56(b)(3) does not apply where the stock is disposed of in the same taxable year as the exercise. […] - [ESPP Calculator: Tax When the Share Price Falls](https://shareincentiveplancalc.com/espp-calculator/): ESPP shares are taxed when you sell them, not when you buy them. What you pay depends on whether the sale is qualifying or disqualifying, and on where the share price sits when you sell. Enter your offering price, purchase price and sale price below. The rule most ESPP guides state incorrectly You will read everywhere that a qualifying disposition taxes you on the discount. That holds only when the shares have risen. The actual rule caps ordinary income at the lesser of two figures: the discount measured at the offering date, or your actual gain between what you paid and […] - [Partnership Shares: Cost, Pension Effect and Matching](https://shareincentiveplancalc.com/partnership-shares/): Partnership shares are the SIP shares you buy yourself, funded by salary deducted before Income Tax and National Insurance. They are the only shares in the plan you pay for, and the only ones you can take out whenever you want. Your employer may add matching shares on top. What makes partnership shares different Two features separate them from everything else in the plan. What the deduction does to your pension, and to your benefits This worries people more than any other part of the scheme, and the two answers point in opposite directions. The risk sits at lower earnings, not […] - [RSU Tax Calculator: Withholding Gap, Penalty & States](https://shareincentiveplancalc.com/rsu-tax-calculator/): RSUs are taxed as ordinary income on the vesting date at your full marginal rate, plus FICA and state tax. Your employer withholds at a flat 22%, so anyone in the 32% bracket or higher ends the year short. This calculator shows the size of that shortfall and what it costs if you leave it until April. Two thresholds that make the shortfall harmless Owing tax in April is not a problem. Owing it without having paid enough during the year is, because the IRS charges interest per quarter under section 6654. Two thresholds switch that charge off. The $1,000 rule. […] - [Share Incentive Plan Calculator: UK SIP, RSU & ESPP Tax](https://shareincentiveplancalc.com/): A Share Incentive Plan (SIP) is a UK tax-advantaged employee share scheme. Shares held in the plan for five years leave it free of Income Tax and National Insurance under HMRC rules. This calculator shows your after-tax value for a SIP, and for RSUs, ESPP shares and stock options if your equity sits outside the UK. How to read your results The calculator gives you five numbers. Here is what each one means before you act on it. Judging your result is simple: compare the five-year card against the cash bonus you would have taken instead. That comparison, not the headline […] - [Privacy Policy](https://shareincentiveplancalc.com/privacy-policy/): Nothing you type into the calculator leaves your device. The maths runs in your browser, so no salary, share price or tax rate is sent anywhere or stored. Close the tab and it is gone. If you email us or use the contact form, we keep your message and address to reply to you, and for nothing else. No mailing list, no sharing, no selling. Our host keeps standard access logs, which include IP addresses and the pages requested. That is how the server runs. We may carry Google AdSense adverts here in future. If we do, Google and its partners […] ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/shareincentiveplancalc.com/mcp) [comment]: # (Generated by Hostinger Tools Plugin)