| | | | | | | | . | Monthly ESPP Contribution | $500 | | | | | | . | Purchase Discount | 5% | | | | | | . | Guaranteed Rate from ESPP | 5.26% | | | | | | . | (calculated from Purchase Discount) | | | | | | | . | | | | | | | | . | | | | | | | | . | Savings APR (put your guess) | 17.5% | | | | | | . | (change your guess to make the value of the 'Amount ESPP Wins By' column as close to zero as possible for the corresponding row to the close of your offerring period) | | | | | | | . | Equivalent Savings APY | 18.97% | | | | | | . | (calculated from Savings APR, monthly compound assumed) | | | | | | | . | | | | | | | | . | | | | | | | | . | | | | | | | | . | Paycheck Period | Monthly ESPP Paycheck contribution | Total Contribution | ESPP Return If Offering Stops on The End of The Period | Had the Monthly Contribution Put in a Monthly Compounded Savings | Amount ESPP Wins By | | . | 1 | $500 | $500 | $526.32 | $507.29 | $19.02 | | . | 2 | $500 | $1000 | $1,052.63 | $1,021.98 | $30.65 | | . | 3 | $500 | $1500 | $1,578.95 | $1,544.18 | $34.77 | | . | 4 | $500 | $2000 | $2,105.26 | $2,073.99 | $31.28 | | . | 5 | $500 | $2500 | $2,631.58 | $2,611.53 | $20.05 | | . | 6 | $500 | $3000 | $3,157.89 | $3,156.90 | $0.99 | <-- end of my 3-month offering period |
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| | | | | | | | . | 7 | $500 | $3500 | $3,684.21 | $3,710.23 | -$26.02 | | . | 8 | $500 | $4000 | $4,210.53 | $4,271.63 | -$61.10 | | . | 9 | $500 | $4500 | $4,736.84 | $4,841.22 | -$104.37 | | . | 10 | $500 | $5000 | $5,263.16 | $5,419.11 | -$155.95 | | . | 11 | $500 | $5500 | $5,789.47 | $6,005.43 | -$215.96 | | . | 12 | $500 | $6000 | $6,315.79 | $6,600.30 | -$284.51 | |
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