§ Calculator · Investment
Annual stock-option grants
What this is
If you get an annual stock-option grant for N years, what's the paper value at the end?
Each year's grant compounds for the remaining years until vested. Big assumption: stock price appreciates at the constant rate you choose. In practice, vesting cliffs, blackouts, and reorgs make actual outcomes much noisier.
Cumulative grants
$160,000
Paper value at end
$204,204
Paper gain
$44,204
Paper value ≠ realized value. You need a liquidity event (public co IPO, secondary sale, M&A) AND the price has to stay up.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.