SIP Holding Period Calculator
Enter an award date to see the likely tax outcome if you withdrew these shares today.
The clock starts on each award\'s own date
Each award of shares — whether free, partnership, matching or dividend — has its own holding-period clock starting from its own award date, not from when you first joined the SIP. If you\'ve received awards across several tax years, each one needs checking separately.
Leaving your job can change the outcome
Certain "good leaver" reasons — such as redundancy, retirement, ill-health or death — can allow more favourable tax treatment even before 5 years, depending on your specific plan rules. This calculator applies the general holding-period position only; check your own plan documentation for leaver-specific terms.
Full explanation and a three-employee worked example: SIP Holding Period Rules: What Happens After 3 and 5 Years?