A payslip you can inspect, not a black box.

taxai

Options from gross

Accumulate a gross budget, exercise within the validity window — with rising share price, optimally at the end.

Assumptions

Raises apply each year of the window; allocation % tracks growing gross.

You pay this % of the share price → leverage = 100 ÷ that value (e.g. 40% → 2.5×: 100 gross “controls” 250 of share value).

Options from gross wins by 160 109.67 PLN

Options ≈ full-salary cash at sale ≈ 56.84 USD

Break-even stock growth ≈ 4.9% / year (vs general market at cash-out)

% match share growth

No options

983 241.80 PLN

Includes pay accumulated over the full validity window.

Cash (after tax) 983 241.80 PLN

Shares 0.00 PLN

Full gross → normal net; cash accumulates

Options from gross

1 189 541.25 PLN

Includes pay accumulated over the full validity window.

Cash (after tax) 884 985.83 PLN

Shares 443 · 343 741.42 PLN

vs no options + 206 299.45 PLN

19% 39 186.00 PLN

Gross budget accumulates; exercise+sell at window end

General market from net

1 029 431.58 PLN

Includes pay accumulated over the full validity window.

Cash (after tax) 845 675.24 PLN

Portfolio 194 591.34 PLN

vs no options + 46 189.78 PLN

19% 10 835.00 PLN

Same net as the options budget — invested in a general market (rate below), Belka at exit

Wealth if you exercise & sell in month t

Three paths over the validity window: no options, options, general market from net. Dashed vertical line = your cash-out year (from the slider above).

0594,7711,189,541Y1Y2Y3Y4Y5Y6Y7Y8Y9Y10

Cash after tax uses a simplified annual net ratio — not month-by-month payroll. Salary growth (if set) raises gross each year of the window.

Educational tool. Not tax advice. Payroll advances and the annual return can differ.

Rates: ministry of finance / ZUS for the selected year. The engine computes in PLN grosze.

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