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Click on the links below to read about our financial-planning tools for employees, advisors, and companies.


myRecords myRecords

myRecords sample myRecords is the online record-keeper and portfolio-tracker for employee stock options (nonqualified and incentive), restricted stock, restricted stock units (RSUs), and stock appreciation rights (SARs).

  • Store and view grant data, including vesting and expiration dates. Helpful "wizards" speed up data entry.
  • Model stock-price changes and "as of" dates to see total value and total gain.
  • Sort grants by next vest date, expiration date, grant type, and other features, with separate presentations for restricted stock and SARs.
  • Grant information feeds our calculators and modeling tools.
  • Export grant data to an Excel file (MSO Pro Members can also import data from Excel files).
  • Receive email alerts for key dates or values.
  • Enhancements for Premium and MSO Pro Members include interactive pie-graphs that illustrate and model the value of: outstanding, exercisable, and unvested options and SARs; and vested and unvested restricted stock.
  • Print grant holdings in attractive tables and charts.
  • Pro Members can easily enter grant data for multiple clients, track clients' holdings in multiple companies, and switch from one client to another to quickly view different portfolios.
  • Pro Members can create sharp-looking PDFs of tables and charts for communicating with clients, all with your name and firm's logo.
  • NEW! Use our currency converter to see the value of prices and gains in other currencies.

When you have multiple types of grants, e.g. stock options and restricted stock units, you can see the values for all your unvested and vested stock grants both individually by grant type and in total on one interactive screen or printout. This gives you a unified look at the value of the stock grants provided by your company.

You can access your stock grant data and use our tools with a web browser on any computer, anywhere in the world, at any time. We use industry-recognized security safeguards, including SSL encryption, to keep your financial data fully secure.

For companies (and stock plan service providers) we can customize all the calculators and tools on myStockOptions.com to fit stock plans, employee culture, and corporate goals. With special custom versions of myStockOptions.com, companies can:

  • import their employee stock-plan data into the online portfolio-tracker
  • post their stock-plan documents
  • tailor the extensive educational content, including articles and FAQs on employee stock purchase plans, to the specifics of their plans
  • further modify the site to fit their look and feel

On these custom websites, stock option and restricted stock grant data can be imported into a secure (user names and passwords are protected) online viewing system, so manual entry is not needed.

Money Magazine Money advises optionholders to use the online portfolio-tracker on myStockOptions.com to monitor their option-grant details, such as exercise prices and expiration dates.

For financial advisors, CPA Wealth Provider recommended the financial-planning tools of myStockOptions.com by selecting the website among companies "that have taken the lead through innovation, efficiency, initiative, or growth in the financial-planning area."

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Options Calculator Quick-Take Calculator For Stock Options

calculator example The Quick-Take Calculator For Stock Options imports stock option data from myRecords to let you see option profits interactively and make projections. Whether for yourself or for clients, make smarter decisions about financial planning and taxation!

  • View net gains after taxes for exercise/sale.
  • Personalize tax data for state, year-to-date Social Security, and federal tax rates.
  • See and easily print the tax breakdown, with differences for nonqualified stock options and incentive stock options.
  • Edit the tax-withholding amounts, including whether to apply any taxes for ISOs.
  • Determine the amount of alternative minimum tax adjustment if you exercise and hold ISOs.
  • Easily model for increases and decreases in stock prices and changes in tax rates to see the cash flow these grants can generate.
  • Calculate the Black-Scholes value of your stock options.
  • For Premium and MSO Pro Members, this intuitive stock option calculator includes special interactive, animated bar-graphs that illustrate the net gains, exercise cost, and taxes, along with "what if" stock-price increases. These let you easily compare, and print colorful reports of, net gains at different stock prices and tax rates.
  • Pro Members can run scenarios for multiple clients and save results for one-click review in our Saved Scenarios tool. (For details of Saved Scenarios, see the relevant section below.)
  • Pro Members can create sharp-looking PDFs of tool results for communicating with clients.

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Restricted stock calculator Quick-Take Calculator For Restricted Stock & RSUs This is premium content

The Quick-Take Calculator For Restricted Stock & Restricted Stock Units (RSUs) imports grant data from myRecords to let you see restricted stock (or RSU) profits interactively at vesting and make projections. Whether for yourself or for clients, make smarter decisions about financial planning and taxation!

  • View net gains at vesting, whether all the shares are sold or shares are sold only to pay taxes.
  • Personalize tax data for state, year-to-date Social Security, and federal tax rates.
  • See and easily print the tax breakdown.
  • Edit the tax-withholding amounts.
  • Easily model for increases and decreases in stock prices and changes in tax rates to see the cash flow these grants can generate.
  • For Premium and MSO Pro Members, this calculator includes special interactive, animated bar-graphs that illustrate the net gains and taxes, along with "what if" stock-price increases. These let you easily compare, and print colorful reports of, net gains at different stock prices and tax rates.
  • Pro Members can run scenarios for multiple clients and save results for one-click future review in our Saved Scenarios tool. (For details of Saved Scenarios, see the relevant section below.)
  • Pro Members can create sharp-looking PDFs of tool results for communicating with clients.

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SARs Calculator Quick-Take Calculator For Stock Appreciation Rights (SARs) This is premium content

claculator sars example The Quick-Take Calculator For SARs imports stock appreciation rights data from myRecords to let you see profits interactively and make projections. Whether for yourself or for clients, make smarter decisions about financial planning and taxation!

  • View net gains after taxes for exercise/sale in shares or cash.
  • Personalize tax data for state, year-to-date Social Security, and federal tax rates.
  • See and easily print the tax breakdown.
  • Edit the tax-withholding amounts.
  • Easily model for increases and decreases in stock prices and changes in tax rates to see the cash flow these grants can generate.
  • For Premium and MSO Pro Members, this intuitive calculator includes special interactive, animated bar-graphs that illustrate the net gains, and taxes, along with "what if" stock-price increases. These let you easily compare, and print colorful reports of, net gains at different stock prices and tax rates.
  • Pro Members can run scenarios for multiple clients and save results for one-click future review in our Saved Scenarios tool. (For details of Saved Scenarios, see the relevant section below.)Pro Members can create sharp-looking PDFs of tool results for communicating with clients.

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I Need The Money tool I Need The Money Calculator This is premium content

The I Need The Money Calculator is a Premium tool for stock options, restricted stock, RSUs, and SARs. It will help you develop strategies for reaching your target financial goals. Whether for yourself or for clients, make smarter decisions about financial planning and taxation!

  • Enter a required amount of after-tax money. This dynamic tool determines whether there are enough vested options or stock appreciation rights (SARs) to exercise and sell to obtain the needed money.
  • It suggests which options or SARs to exercise to reach the desired net amount, using first in the calculation either the oldest options or the biggest spread. When your current stock price is not high enough to reach your cash goal, you see what price your company stock must hit, along with the needed percentage increase, to reach your financial target.
  • Special features for restricted stock let you know whether there are enough vested shares in the future to equal the required cash and, if these fall short of your cash goal, the price the stock must reach and the needed percentage increase.
  • Dynamically edit tax withholding, stock price, and "as of" date to make projections and see alternative scenarios.
  • Interactive, animated pie-graphs illustrate the net gains and taxes for the dollar amount needed at the specified stock price and date.
  • Pro Members can run scenarios for multiple clients and save results for one-click future review in our Saved Scenarios tool. (For details of Saved Scenarios, see the relevant section below.)
  • Pro Members can create sharp-looking PDFs of tool results for communicating with clients.

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Comparison Modeling Tool Options & SARs Comparison Modeling Tool This is premium content

PATENTED! The Options & SARs Comparison Modeling Tool is a dynamic tool for Premium and Pro Members that helps you plan for in-the-money stock options and SARs: exercise now or wait? This tool is so innovative and easy to use that myStockOptions.com has received a patent for it!

  • See the future value of stock options and stock appreciation rights (SARs).
  • Compare exercising/selling vested options and SARs now to put money into an alternative investment versus waiting till the end of the option term to exercise/sell.
  • View graphs that illustrate the difference between investment alternatives.
  • Dynamically edit tax withholding, stock price, "as of" date, and return on alternative investments to make projections and see various scenarios.
  • Pro Members can run scenarios for multiple clients and save results for one-click future review in our Saved Scenarios tool. (For details of Saved Scenarios, see the relevant section below.)
  • Pro Members can create sharp-looking PDFs of tool results for communicating with clients.

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Restricted Stock Comparison Modeling Tool Restricted Stock Comparison Modeling Tool This is premium content

NEW! The Restricted Stock Comparison Modeling Tool is a dynamic tool for Premium and Pro Members to help you plan for grants of restricted stock/RSUs: sell the shares at vesting for an alternative investment, or hold the company stock? This tool helps you decide what to do with your company stock once it vests. Based on the patented Options & SARs Comparison Modeling Tool!

  • See the future value of restricted stock and RSUs at vesting.
  • Compare holding shares from restricted stock/RSUs with selling the shares to fund an alternative investment.
  • View graphs that illustrate the differences between your company stock and investment alternatives.
  • Dynamically edit tax rates, stock-price changes, dividend rates, holding periods after vesting, and returns on alternative investments to make projections and see various scenarios.
  • Pro Members can run scenarios for multiple clients and save results for one-click future review in our Saved Scenarios tool.
  • Pro Members can create PDFs of tool results for communicating with clients.

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Saved Scenarios Saved Scenarios This is premium content

In this tool, available only to members of MSO Pro, you can save the results from each of our tools, showing various strategies for later review. You can save the stock price and as-of date you entered or let them change to current values every time you view the scenario.

  • Create multiple scenarios for each tool.
  • Save each scenario with notes.
  • View each saved scenario with one click.
  • Create sharp-looking PDFs of saved scenarios for distribution to clients.
  • Let clients access scenarios through http://www.mycompanystock.com.

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email Alerts myAlerts This is premium content

myAlerts lets you (and/or your clients in MSO Pro) choose to receive helpful email reminders about important moments and target values for stock options, restricted stock, restricted stock units (RSUs), and stock appreciation rights (SARs).

  • Schedule reminders about vesting dates and warnings about upcoming expiration dates.
  • To monitor and manage your sales strategies for company stock and options, choose to receive alerts when grants hit target values and stock prices.
  • Arrange to receive daily, weekly, or monthly summaries of stock grants.
  • MSO Pro Members can set up myAlerts emails for selected clients.

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client portal myCompanyStock.com Client Portal
Exclusively For MSO Pro Members

In the website myCompanyStock.com, financial advisors and wealth managers who subscribe to MSO Pro Membership can give clients secure and confidential access to their grant data and all of our tools. Advisors have the flexibility to choose whether to give clients access to the client portal.

  • Communicate with clients interactively in a confidential, highly secure site.
  • Co-brand your firm's identity on the site, which you can link to from your website.
  • Collaboratively view grant data and results from the tools with your clients.
  • Store tool results in Saved Scenarios for clients' future reference.

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Break-Even Tool For Underwater Stock Options

The Break-Even Tool for underwater stock options lets employees immediately see the benefits of participating in a stock option exchange offered by their company. This interactive tool dynamically illustrates the stock-price increase and the appreciation that must occur for the value of each old grant to equal the value of each new grant. Employees can flexibly enter grant data (and edit tax rates), or companies can customize the tool to import data and the details of their exchange automatically. Read more in our press release about the tool.

Companies and advisors interested in evaluating the Break-Even Tool should contact us at 617-734-1979 or info@mystockoptions.com (the tool is not available through the public site myStockOptions.com).

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myNQDC.com: Website On Nonqualified Deferred Compensation

NEW! Our new website myNQDC.com is the only online educational resource devoted exclusively to nonqualified deferred compensation (NQDC) plans. These are often used alongside stock plans for senior executives and key employees. With clear writing and independent, unbiased expertise, myNQDC.com provides education about the financial planning, taxation, risk, and legal issues surrounding nonqualified deferred compensation. It encourages participants to fully understand these topics and maximize the value of their plans. The website includes:

  • Articles on the full range of topics in nonqualified deferred compensation
  • FAQs with concise yet detailed answers on all aspects of NQDC
  • Glossary of key terms
  • Fun interactive quizzes to test and further your NQDC knowledge
  • Podcasts on NQDC basics and taxation
  • NQDC calculator and modeling tool

The site appeals to plan participants, plan providers and administrators, financial advisors, attorneys, and companies with NQDC plans. The tax-deferral advantages of NQDC make these plans increasingly popular, especially given the annual contribution limits of 401(k) plans. NQDC plans let participants save more for retirement and other life goals than they could through qualified plans alone, though they carry complexities and risks, as our new site explains.

myNQDC.com offers individual and group memberships, along with licensing its educational content for other websites and print materials.


All of our tools can be built into our custom stock plan sites, and we can develop special tools for your employee stock purchase plan. Trial premium memberships to our public site are available by request for qualified users who want to experience our tools. Please register free (unless already registered) and then email your request for a trial upgrade to support@mystockoptions.com.

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