ESPP Lens

Purchase or withdraw — modeled clearly

Should you purchase or withdraw?

Tune your contribution, prices, and taxes. We model the discount, lookback, and immediate-sale tax — then compare against simply withdrawing your cash.

H1 — Dec–May

Active

Dec 2025 – May 2026

Fetching live prices…

H2 — Jun–Nov

Jun 2026 – Nov 2026

Not active for this purchase decision

Your window

HubSpot plan — salary & rate

$
8%
6-month window contribution$8,000
$
$
15.0%

Use lower of offering / purchase

24.00%
6.85%
3.88%
Effective ordinary income rate34.73%
H1 — Dec–May → H2 — Jun–Nov: IRS cap impact

Exercising now uses your §423(b)(8) FMV budget, which is shared with the next window's calendar year — potentially limiting shares when the stock rises. Immediate sale at vest assumed for both windows.

Hover to see the full breakdown at any H2 — Jun–Nov price change

$
$
Purchase mechanics
Effective purchase price$425.00
Shares acquired18
Returned (no full share)$350.00
Effective contribution$7,650
Market value at purchase$9,000
Instant discount gain$1,350
Tax & net result
Sale value at vest$9,000
Ordinary income tax (34.73%)-$469
Federal-$324
NY State-$92
NYC-$52
Net after tax$8,531
Profit vs. contribution+$881
Return on contribution+11.01%

Educational model only — not tax advice. Assumes immediate sale at vest (disqualifying disposition): spread is ordinary income, capital gain is zero. Section 423 ESPP ordinary income is exempt from FICA. Defaults assume an NYC (Queens) single filer in the ~$200k bracket: 32% federal, 6.85% NY state, 3.876% NYC. Adjust any rate to match your situation.

Import Fidelity transaction history
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Paste the text from your Fidelity ESPP Transaction History page to populate the history chart and auto-fill the prior-window IRS cap.