Edit Stock Compensation

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

Grants are listed with the closest upcoming Next milestone first. Completed vesting schedules and grants with no upcoming milestone appear at the bottom. The order updates when grant changes are applied to the draft. A completed vesting schedule can still need brokerage reconciliation; check its Needs reconciliation reminder.

Create a separate grant when award type, employer, security, vesting terms, retirement treatment, option terms, or settlement destination differs. Use the award agreement and equity portal to identify what you may receive and when; an unvested award is not yet money available for spending.

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 each vesting date and the units scheduled to vest on that date from the award record. Record an actual settlement date only when settlement has occurred or is known; it is distinct from the vesting date. Vesting establishes the award milestone, while settlement determines when cash or shares reach the destination account.

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.

Entering a ticker reuses a matching price already saved in this plan’s holdings or another grant, including its price date and source. If no saved price is available, YARCalc looks up a quote. Use Look up price to request a quote again, or enter a manual price. Review the price and date before saving. For an existing grant showing Price not entered, open the grant and use Look up price or enter a manual price, then apply and save the changes.

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

For a grant marked Needs reconciliation, first match delivered cash or shares to the brokerage statement. For retained shares, enter the broker’s current total share quantity, including the delivery; for cash, update the cash holding balance. Save those holding changes. Then choose mark the grant reconciled beside the estimated deposit to open Stock Compensation at that grant. In Confirm brokerage reconciliation, set Reconciled through to the last settlement date you have verified, choose Apply changes, then Save and return. The red outline and Needs confirmation dates identify the remaining reconciliation step; updating a holding or entering an actual settlement date alone does not confirm delivery. Confirm every settlement through that date so an unverified delivery is not removed from the estimate.

Select the account that would receive supported cash or shares when settlement is modeled. RSU and NSO grants require a destination account even when shares will be retained; ISO review entries may omit it because they do not create a spendable deposit. The destination must already exist in Accounts & Holdings. If it is missing, create the receiving account before entering the grant. When a save is rejected, your open editor retains the draft so you can correct it and save again. 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.