Baseline vs yours
Use Time vs Money as the base case for time and savings, then add vesting, exercise windows, and tax forms that apply to you. Lockups and penalties belong in the same sheet as returns.
Clauses
For time and savings, life events and visa or pension rules can change limits and tax rates; plug your numbers or talk to a pro before you rely on a headline rule.
Edge event
Options with a hard exercise date: estimate ordinary income and concentration in one stock before you compare to selling into an index fund.
Gap
Simple example Your added lines
Stress line item
Core lesson
Related: Time vs Money. Use the calculator with your own numbers when the example is not close to your case.
Use the calculator
FAQ
- Where is the main lesson?
Time vs Money is the hub with related lessons linked from it.
- Which calculator should I open first?
Use Investment growth or Lump sum growth for long horizons; Savings goal for targets; Debt payoff when comparing to loans.