Golden Handcuffs Analyzer

The True Cost of Staying — and Leaving

Model your unvested equity, deferred comp, and new offer NPV. Private, math-first, runs entirely in the browser.

Persona — hide irrelevant sections

Quick-Start Presets

Panel 1 — Current Role

Unvested equity, LTIP, deferred comp, retention

RSU / Restricted Stock

Unvested RSUs (shares)

Current Stock Price ($)

Vesting Schedule

Vest Events Remaining

Months to Next Cliff Event

Annual Equity Refresh Grant ($ value)

Stock Options (NQSO / ISO)

Unvested Options (shares)

Strike Price ($)

Option Type

Years to Expiry (remaining)

LTIP / Deferred Compensation

LTIP / Deferred Comp ($)

Months to LTIP Vest

LTIP has change-of-control acceleration trigger

Retention & Non-Compete

Retention Bonus ($)

Clawback Period (months)

Non-Compete Duration (months)

Garden Leave Pay (%)

Current Base Salary ($/yr)

Jurisdiction (for non-compete enforceability)

Panel 2 — New Offer

Signing bonus, equity grant, new vesting schedule

New Base Salary ($/yr)

Signing Bonus ($)

Signing Clawback (months)

New Equity Grant ($)

New Grant Type

New Vesting Schedule

New Grant Cliff (months)

New Grant Vest Period (years)

Target Leave Date (months from now)

Annual Comp Growth at New Role (%)

New offer includes double-trigger acceleration on CIC

My employer made a counteroffer — model it

⚖ Compare Multiple Offers

Add up to 2 alternative offers to compare side-by-side

Panel 3 — Assumptions

Tax rates, discount rate, growth, Monte Carlo

Tax Rates

Federal Marginal Rate (%)

State Income Tax (%)

Long-Term Cap Gains (%)

AMT Rate (ISO) (%)

ℹ 3.8% NIIT (Net Investment Income Tax) is automatically applied on top of LTCG for incomes over $200K — factored into equity NPV calculations.

Growth & NPV

Discount Rate (%)

Analysis Horizon (years)

Current Employer Stock Growth (%/yr)

New Employer Stock Growth (%/yr)

Current Stock Volatility (%) — for Monte Carlo

Running analysis…

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Vesting Cliff Map — Current & New Employer Loading…

Run analysis to see your vesting cliff map

Forfeiture Waterfall — Cost Breakdown

Break-Even Timeline

Cumulative Forfeiture (declining)

New Offer NPV (compounding)

Stay-to-Vest — Marginal Value per Month

5-Year Comp Trajectory

Current Employer

New Employer

Forfeiture Range — Monte Carlo (p10 / p50 / p90)

Sensitivity Tornado — Impact on Net Day-1 Delta

Analysis Rationale

Enter your inputs and click Analyze to see results.