DURABLE LIFESTYLE
Expose exactly how much recurring spending depends on bonus or equity showing up.
HIGH-COMPENSATION EMPLOYEES
Stop letting fragile compensation fund permanent lifestyle.
Base salary, cash bonus, equity, and deferred compensation have different certainty and exit risk. Set the durable lifestyle ceiling, then price the real cost of leaving before the next cliff.
THIS PAGE DOES THE WORKdurable lifestyle ceiling · leave-or-wait cliff test
LIVE WORKBENCH
Enter the facts. Get the decision.
Your entries and latest result save on this device first and can sync only through an optional Cockpit account. Load the example if you want to see the engine work before using your numbers.
CAREER MONEY ENGINES
Choose the decision in front of you.
Each module uses different inputs and different math. Nothing here is a renamed checklist.
LEAVE OR WAIT
Compare forfeited awards with the new role and calculate the catch-up month.
WHAT CAN BREAK THE RESULT
Do not let a missing fact quietly become zero.
Unvested is not owned
A future grant can disappear with employment, performance, or a plan-rule change.
Withholding is not the tax bill
Supplemental withholding may not match the household’s final federal or state liability.
A cliff can distort a career decision
Price what is truly forfeited, what the new employer replaces, and how long recovery takes.
USE THE RESULT NOW
Open the next tool only to test a named assumption.
VERIFY BEFORE COMMITTING
The model is only as good as the contract, portal, or statement behind it.
Award taxation and employment-exit rules vary by plan and award type. Use the governing documents and qualified tax advice; this tool prices entered facts and does not infer unentered vesting, tax, or trading-window rules.