Compound trajectory lab
Project how regular contributions grow over time under different return, fee, and timeline assumptions.
Coverage
Stratum Finance pillars
Stratum Finance organizes its coverage around the questions Software engineers with RSU-heavy comp, Hardware and infra leads, and Staff+ IC trajectories actually bring — RSU tax surprise, Engineer financial independence, and AMT planning education — pairing plain-language guides with calculators you can run yourself.
Allocation drift check
Compare your current mix against a target allocation and see where drift has crept in.
Retirement runway model
Model your retirement runway from savings rate, timeline, and expected returns — then stress-test it.
Recovery requirements
See the gain required to recover from a loss, and how long recovery may take at different return rates.
Risk budgeting sketch
Weigh potential upside against downside so position-sizing decisions stay deliberate.
Options payoff explorer
Chart payoff profiles for basic options positions before committing real money.
Purchasing power & price paths
Estimate what rising prices do to purchasing power and future spending needs.
RSU tax surprise
Explained with stated assumptions, worked examples, and a calculator wherever the math matters.
Engineer financial independence
Explained with stated assumptions, worked examples, and a calculator wherever the math matters.
AMT planning education
Explained with stated assumptions, worked examples, and a calculator wherever the math matters.
Employer stock concentration
Explained with stated assumptions, worked examples, and a calculator wherever the math matters.
How to read a RSU release schedule like a state machine
Explained with stated assumptions, worked examples, and a calculator wherever the math matters.
Contact
Contact Stratum Finance
Questions about a calculator or a guide? Send a note to the Stratum Finance editorial desk — we read every message. Licensing disclosures appear wherever regulated topics are discussed.
Stratum Finance
Build your personal financial system with the same precision you bring to work
STEM professionals accumulate equity, options, and deferred comp from multiple sources. An assumption-transparent plan shows every input, output, and sensitivity.
- RSU and options tax modeling (ISO, NSO, ESPP)
- Deferred comp and mega-backdoor Roth strategies
- FIRE scenario modeling with sensitivity analysis
- Multi-employer equity consolidation
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