Edit Stock Compensation

Treat each award as a dated planning record, not a brokerage position

Create a separate grant when award type, employer, security, grant date, vesting terms, retirement treatment, option terms, or settlement destination differs. The summary shows the next milestone and gross planning value so missing dates, units, price, or destination are visible before the award reaches Projection.

Stock Compensation estimates retirement cash-flow effects. It does not replace the plan document, equity portal, tax return, or brokerage record, and it does not exercise an option or sell shares.

Enter the security snapshot and every vesting tranche you intend to model

Identify the award as RSU, ISO, or NSO and enter the granted units and current planning price. For RSUs, add every vesting date and its units; YARCalc orders the schedule by date and uses the earliest future vest as the next milestone. Record an actual settlement date only when settlement has occurred or is known; it is distinct from the vesting date.

The current price is an estimate used to value future or unsettled units. It is not a promise of sale proceeds. Update the price when the planning question requires current valuation, and avoid counting vested shares both here and as a separate holding unless the settlement transition has actually created that holding.

Retirement treatment and option dates can determine whether value survives

Use the award’s actual retirement rule: continued vesting, accelerated vesting, forfeiture, or another supported treatment. A person’s saved retirement date comes from Personal Details, so changing that date can change which tranches remain in the plan.

For options, distinguish grant, vesting, planned exercise, and expiration. A planned exercise creates a modeled event only under the entered assumptions. Expiration remains a hard boundary. YARCalc can warn about the timing but never performs the exercise.

Choose a real destination and keep unsupported taxes visible

Select the account that would receive supported cash or shares when settlement is modeled. The destination must already exist in Accounts & Holdings. At settlement, YARCalc adds a provisional planning deposit but does not rewrite saved brokerage holdings. Enter the actual cash or shares from the brokerage statement first, then advance Reconciled through so the estimate disappears instead of being counted twice.

Dashboard and Annual Action Plan provide in-app reminders while an RSU is pending settlement and after its estimated deposit needs reconciliation. YARCalc does not send a separate settlement email or push notification.

RSU and NSO estimates use the existing ordinary-income model, but payroll taxes and ISO alternative minimum tax are not calculated. ISO proceeds therefore remain potential value rather than a reliable after-tax cash amount. After saving, review the award milestone and the affected Projection years before relying on it.