Calculate Unvested Equity Forfeited Before a Departure Date — Free
Leaving a job two months before a cliff or vesting date can forfeit thousands of units. Model each equity grant against a standard twelve-month cliff and monthly schedule to see how many unvested units a target departure date leaves behind.
The proof surface
Severance tools evaluate post-employment clawback risk. This calculates vested versus forfeited equity units across multiple grants at a chosen tenure month under a twelve-month cliff.
Why the flat version breaks
Treating refresh grants as part of the original clock
Each refresh grant starts its own vesting schedule and remaining unvested tail.
Forgetting the 12-month cliff cutoff
Eleven months of service under a one-year cliff vests zero percent, not eleven forty-eighths.
Confusing calendar months with vest dates
Most plans vest on specific quarterly or monthly vest dates rather than pro-rating partial months.
How to work the vesting cliff packet
Initial hires, annual refreshers and promotion grants each run on their own clock; enter total granted units and completed months for each grant.
Forty-eight months with a twelve-month cliff is a common four-year schedule; adjust the setting if your plan vests over a different period.
Under the standard cliff rule modelled here, leaving before month 12 vests zero units. At month 36 of 48, a 4,800-unit grant has vested 3,600 units and forfeits 1,200.
The packet flags any grant with positive service under twelve months — the 10-month signing grant in the alternate sample forfeits all 2,400 units unless departure moves past month 12.
What the vesting cliff packet replaces
| Question | Before | Visible working |
|---|---|---|
| Treating refresh grants as part of the original clock | Each refresh grant starts its own vesting schedule and remaining unvested tail. | Enter the total schedule length in months |
| Forgetting the 12-month cliff cutoff | Eleven months of service under a one-year cliff vests zero percent, not eleven forty-eighths. | Check whether each grant has cleared its 12-month cliff |
| Confusing calendar months with vest dates | Most plans vest on specific quarterly or monthly vest dates rather than pro-rating partial months. | Inspect flagged pre-cliff forfeitures |
A local arithmetic aid replaces hand calculation, not expert review. No paid AI service is needed.
Run it on the samples, right here
FIRST-LOAD
Input is processed locally and a draft is saved automatically in this browser profile when storage is available. Reset to sample clears that draft; Pro history has its own clear button. A state link encodes your inputs in its URL: share only non-sensitive rows. Browser history, clipboard and anyone receiving the link may retain it. Optional AI use below leaves this device; it is not required.
Illustrative equity vesting arithmetic using a 12-month cliff and proportional monthly vesting. Not financial, tax or legal advice; read your exact grant notice, plan document and cliff/quarter rules.
Data note: Everything runs in this browser tab on the vesting cliff packet: your equity grant | total units granted | months completed at departure stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.
Go deeper: the companion app files the same reading as a stapled evidence packet
The article demo above runs without limits. The companion app keeps a local history, exports the rows as CSV, prints the vesting cliff packet reading, and holds your drafts on this device — one free run, then $ 4 one-time for the layer that keeps filing.
The vesting cliff packet reading is complete for free. The optional $4 layer adds print, row CSV and the last five local reading summaries; it does not add hidden answers. Checkout is not configured yet; the article demo remains unlimited.
Open the calculate unvested equity forfeited before a departure date companionBoundary
Illustrative equity vesting arithmetic using a 12-month cliff and proportional monthly vesting. Not financial, tax or legal advice; read your exact grant notice, plan document and cliff/quarter rules.
What this is built on
- Method: Under the standard cliff rule modelled here, leaving before month 12 vests zero units. At month 36 of 48, a 4,800-unit grant has vested 3,600 units and forfeits 1,200.
- All sample records are invented examples. The app does not fetch measurements, policies, files or personal records.
- Google’s official pricing page, fetched 2026-09-29, lists free-tier access including AI Studio. Optional formatting only; limits and availability can change. Free-tier content may be used to improve products. Never paste private records there.
Before: Each refresh grant starts its own vesting schedule and remaining unvested tail. After: the vesting cliff packet shows the working beside each named row so the reader can change the assumption and inspect the consequence.
Optional AI formatting, not calculation
For this vesting cliff packet, use the free AI Studio interface only if available to you, with no paid API key. Manual entry completes the same workflow for free. Supply only fictional or non-sensitive notes. Review its output against the source; never paste unresolved questions into the numeric rows.
Format my non-sensitive notes for a vesting cliff packet. Return plain rows only: equity grant | total units granted | months completed at departure. Preserve supplied quantities exactly. Do not guess missing values; list questions separately. Do not calculate or add advice. I will check every row before pasting into the local tool.
Accepted schema: equity grant | total units granted | months completed at departure. No AI response is executed as code.