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ESPP Calculator
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This calculator can be used either with an ESPP program that trades in stock purchased with CAD, or stock purchased with USD, but the employee is contributing in CAD (for Canadians that work for US based companies).
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Fill out the entries that have red dots!
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*Company Discount %15*Marginal Tax Rate - Capital Gains 115.74
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*ESPP Contribution in Dollars (CAD)10000*Marginal Tax Rate - Interest & Regular Income 131.48
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*1 USD = 'X' CAD1.3
1. https://www.mackenzieinvestments.com/en/products/tax-and-estate-planning/tax-rates#ON
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*Stock Price - Period Start Date12
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*Stock Price - Exercise Date14*Stock Price - Sell Date61.79
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Stock Price - Lower Of The Two (AUTO)12
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Sell Value Of Stock (USD)46589.66
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Cash To Buy Stock (USD)7692.307692Sell Value Of Stock (CAD)60566.558
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Purchase Price (Lower Price - Discount)10.2Sell Value After Wire (CAD)59355.22684
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# Shares Purchased754
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Immediate Gain in Value (%)17.624Money Left After Taxes50809.46488
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Initial Contribution10000
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Income Tax Owed - Due To Discount On Stock Price
Capital Gains Tax Owed - From Sale
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Additional "Income" From Company (USD)2865.2Capital Gains (USD)36033.66
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Additional "Income" From Company (CAD)3724.76Capital Gains (CAD)46843.758Net Gain40809.46488
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Additional "Income" Tax Owed (CAD)1172.554448Capital Gains Tax Owed (CAD)7373.207509Return on Investment (%)408.0946488
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