83(b) Election Cost Calculator
Drag the two dots to set what your stock was worth at grant and what it might be worth once it's fully vested. The gap between the lines is what gets taxed as ordinary income if you miss the 30-day window to file.
File within 30 days: taxed on $0.0010/share now — about $32 total, and nothing more as it vests.
Miss the window: taxed on $2.00/share as it vests instead — about $64,000 total, on stock you likely can't sell yet to cover the bill.
Simplified: assumes a blended 32% ordinary-income rate and treats the vested value as taxed all at once rather than in pieces across your vesting schedule. Your actual bracket, state taxes, and AMT exposure will move the real number. The 30-day deadline itself isn't simplified — it's a hard legal window with no extensions.
Just got a grant? Don't find out about this in year two.
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