83(b) Election Calculator

Calculate whether filing an 83(b) election will save you money on taxes. Complete all sections below to see your personalized tax impact analysis.

Important: 83(b) Elections Only Apply to Restricted Stock

This calculator is for Restricted Stock Awards (RSAs) or early-exercised stock options only.

RSUs (Restricted Stock Units) do NOT qualify for 83(b) elections. If you have RSUs, you cannot file an 83(b) — RSUs are automatically taxed at vesting and there is no election to make.

Not sure which type you have? Check your grant agreement or ask your company's stock plan administrator.

Grant Date

Company Name

Employer EIN (Optional)

Number of Shares

Fair Market Value (per share)

Amount Paid (total)

Vesting Schedule

Total Grant Value:$200,000.00

Amount Paid:$0.00

Spread (taxable if filing 83(b)):$200,000.00

Filing Status

State

Current Annual Income (W-2)

This is used to determine your marginal tax bracket for the 83(b) calculation

State Tax Info:

California levies state income tax (1% - 13.3% (12.3% + 1% Mental Health Tax)). Your 83(b) election income will be taxed as ordinary income at both federal and California state rates.

Company Stage

Expected Annual Growth Rate

x per year

Default for Series A: 2x/year

Expected Exit Timeline

years

Expected Exit Price (per share)

Growth Projection:

Current FMV (grant date):$20.00/share

Projected FMV at exit (5 years):$640.00/share

Your exit price estimate:$80.00/share

Total growth:4.0x

⚠️Your exit price estimate differs significantly from the projected FMV based on the growth rate. Consider whether your assumptions are consistent.

Expected Outcome

Success Scenario

Company exceeds expectations. Strong product-market fit, rapid revenue growth, successful IPO or acquisition at premium valuation.

83(b) Risk Assessment:

✅ Low Risk: If the company succeeds, filing 83(b) will save you significant taxes by locking in today's low FMV. The upfront tax is a worthwhile investment in your future gains.

⚠️ Important:

Filing an 83(b) election requires you to pay income tax immediately on shares that haven't vested yet. If the company's value decreases or the company fails, you cannot get this tax money back. Only file if you:

Believe in the company's long-term success
Can afford to pay the upfront tax (even if shares become worthless)
Plan to stay at the company long enough to vest your shares
Understand this is a bet on the company's future growth

Important Disclaimer

This calculator provides estimates based on the information you provide and current tax laws. It is not a substitute for professional tax or legal advice. 83(b) elections have strict deadlines (30 days from grant date) and cannot be revoked. The tax consequences of filing or not filing can be significant. We strongly recommend consulting with a tax professional before making your final decision.

Questions? Check out our FAQ or learn more about 83(b) elections.

83(b) Election Calculator

Important: 83(b) Elections Only Apply to Restricted Stock

1. Grant Details

2. Your Tax Situation

3. Company Growth Assumptions

4. Exit Scenario

Important Disclaimer

83(b) Election Calculator

Important: 83(b) Elections Only Apply to Restricted Stock

1. Grant Details

2. Your Tax Situation

3. Company Growth Assumptions

4. Exit Scenario

Important Disclaimer

83(b) Election Calculator

Important: 83(b) Elections Only Apply to Restricted Stock

1. Grant DetailsInformation about your restricted stock grant

1. Grant Details

2. Your Tax SituationInformation for calculating your tax impact

2. Your Tax Situation

3. Company Growth AssumptionsEstimates for your company's future performance

3. Company Growth Assumptions

4. Exit ScenarioHow optimistic are you about the company's outcome?

4. Exit Scenario

Important Disclaimer

83(b) Election Calculator

Important: 83(b) Elections Only Apply to Restricted Stock

1. Grant DetailsInformation about your restricted stock grant

1. Grant Details

2. Your Tax SituationInformation for calculating your tax impact

2. Your Tax Situation

3. Company Growth AssumptionsEstimates for your company's future performance

3. Company Growth Assumptions

4. Exit ScenarioHow optimistic are you about the company's outcome?

4. Exit Scenario

Important Disclaimer