Compare Benefits

Employee Stock Purchase Program (ESPP)

Financial & Retirement Updated August 17, 2026

An Employee Stock Purchase Plan (ESPP) lets you buy your employer’s stock at a discount through payroll deductions — up to 15% off under an IRS-qualified Section 423 plan, capped at $25,000 of stock value per calendar year. Apple offers 15% off with a 6-month lookback, Microsoft offers 10% off, and Adobe and eBay pair 15% with a 24-month lookback, while Google, Meta, and Amazon offer no ESPP at all and compensate with RSUs instead. A 15% discount is a built-in 17.6% pre-tax return on each purchase if you sell immediately.

ESPP key facts

  • Maximum qualified (Section 423) discount: 15% — the cap set by the tax code, and what Apple, Tesla, Salesforce, and Adobe offer
  • IRS purchase cap: $25,000 of stock (at fair market value) per calendar year
  • Typical contribution cap: 10–15% of base salary, per the company plans below
  • Lookback: the discount applies to the lower of the offering-start or purchase-date price — Apple uses 6 months; Adobe and eBay use 24 months
  • No ESPP: Google, Meta, and Amazon — their equity compensation is RSU grants instead

At the US software-engineer median base salary of $165,000, a 15%-of-pay contribution cap more than covers the $25,000 annual purchase limit. Maxing a 15%-discount plan means buying $25,000 of stock for $21,250 — a $3,750 pre-tax gain per year before any lookback upside, on top of salary and equity.

Salary figures: Levels.fyi verified submissions, US software engineers, trailing 12 months. IRS limits: 2026 tax year. Company formulas reflect employee-reported data on Levels.fyi and may change — see each company’s page for the latest.

Companies that provide Employee Stock Purchase Program (ESPP)

Microsoft

Allows contributions up to 15% of base salary. 10% discount on purchase price of stock

Apple

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. Lookback period of 6 months.

LinkedIn

Allows contributions up to 15% of base salary. 10% discount on purchase price of stock

Uber

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. up to 1500 shares yearly

Lyft

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Salesforce

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Up to $10,625 every six months

Oracle

Allows contributions up to 10% of base salary. 5% discount on purchase price of stock

Netflix

As an employee, you can convert any amount of your base salary to stock options. Options are priced at 40% of the exercise price. Options can then be used to purchase actual shares of Netflix stock. Your options will expire 10 years after the grant date, regardless of your employment

Tesla

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

eBay

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. 24-month look back period . Minimum is 2 %, Maximum is 10% of total comp, or $25K (whichever is lower) into the ESPP per year.

Visa

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Adobe

Allows contributions up to 25% of base salary. 15% discount on purchase price of stock. 24 months look back period

Comcast

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

ServiceNow

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Every 6 months

Slack

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Walmart Global Tech

Up to a maximum of $270 per year

Electronic Arts

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Okta

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

PayPal

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. ESPP rate gets locked for 2 years .

Workday

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Autodesk

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

NetApp

24-month Offering Periods that begin every six months.

Nvidia

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Maximum contribution capped at 25K USD. The look-back period: 24 months. Each offering consists of four purchase periods. Shares can be sold right away or held.

SAP

Participants benefit from a 40% matching contribution and an additional €20 per month (for non-executives).

Accenture

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. Up to $7,500 of base salary per Offering Period. Open Enrollment period occurs twice a year, in September and March respectively for the two Offering Periods beginning in November and May.

Akamai

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Bank of America Merrill Lynch

Allows contributions up to 5% of base salary

Barclays

20% discount on purchase price of stock. Up to £600 worth of matching shares; three to five-year savings period (UK).

Capital One

Allows contributions up to 15% of base salary. Called ASPP. Capital One matches 15%.

Cisco

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Citrix

15% discount on purchase price of stock

Coursera

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

DocuSign

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. With lookback

EPAM Systems

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

F5 Networks

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

HPE

Allows contributions up to 10% of base salary. 5% discount on purchase price of stock. On date of purchase

HubSpot

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

IBM

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. Up to a maximum of $25,000 worth of shares in a calendar year.

Intel

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Intuit

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Two 6-month offering periods per year, two 3-month purchase periods for each. Offer lookback price (within an offering period).

JPMorgan Chase

Allows contributions up to 20% of base salary. 5% discount on purchase price of stock

Juniper Networks

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

MongoDB

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Nike

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Nutanix

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. You cannot purchase more than 1,000 shares in each approximately six-month purchase period.

Palo Alto Networks

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. 2 years look back program

Proofpoint

Allows contributions up to 15% of base salary

Qualcomm

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Up to $21,250 per year

Rally Health

Allows contributions up to 10% of base salary. 10% discount on purchase price of stock

Splunk

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Lookback provision

Starbucks

Discounted company stock (S.I.P.)

T-Mobile

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

VMware

15% discount on purchase price of stock. Discount based on open or closing date of half year, whichever is lowest.

Zendesk

15% discount on purchase price of stock. Up to $19,000

Cloudflare

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Zoom

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Cognizant

10% discount on purchase price of stock

Pure Storage

Allows contributions up to 30% of base salary. 15% discount on purchase price of stock

AppDynamics

Allows contributions up to 10% of base salary

Synopsys

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Up to $10,000 and 4,000 shares per purchase period. Lookback period: 2 years.

GitHub

10% discount on purchase price of stock. Up to 25000 a year

AMD

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

LiveRamp

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Booz Allen Hamilton

Allows contributions up to 15% of base salary. 5% discount on purchase price of stock. Stock purchase at the end of each quarterly offering period.

Optum

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

BlackRock

Allows contributions up to 10% of base salary. 5% discount on purchase price of stock

Applied Materials

Allows contributions up to 10% of base salary. 20% discount on purchase price of stock. Minimum discount: 15%; up to $6500 every 6 months.

Texas Instruments

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Redfin

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

The Home Depot

Allows contributions up to 50% of base salary. 15% discount on purchase price of stock

Prudential Financial

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

SpaceX

10% discount on purchase price of stock. Illiquid

Momentive.ai

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Cadence Design Systems

15% discount on purchase price of stock

Philips

15% discount on purchase price of stock

Teradata

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Seagate

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

FactSet

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Xilinx

15% discount on purchase price of stock. 2 year lookback

Charles Schwab

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Datadog

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. 6 month periods starting May 16 or November 16

Walmart

Allows contributions up to 15% of base salary

Thomson Reuters

15% discount on purchase price of stock

Smartsheet

15% discount on purchase price of stock

Raymond James

Allows contributions up to 20% of base salary. 15% discount on purchase price of stock

PNC

Allows contributions up to 10% of base salary. 5% discount on purchase price of stock

New Relic

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

NBC

15% discount on purchase price of stock

Marqeta

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Up to 25,000

Lam Research

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

ICE

Allows contributions up to 25% of base salary. 15% discount on purchase price of stock. 6 month windows with lookback, sale will be subject to frequent blackout periods

Illumina

Allows contributions up to 15% of base salary. Lookback period: 6 months / 1 year

Fiserv

Allows contributions up to 10% of base salary. 5% discount on purchase price of stock

FireEye

15% discount on purchase price of stock

Cornerstone OnDemand

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Automattic

Offered ability to purchase. Private company.

ASML

Allows contributions up to 10% of base salary. 10% discount on purchase price of stock

Arista Networks

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Dolby Laboratories

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Gilead Sciences

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Pluralsight

85% discount on purchase price of stock

MobileIron

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Anaplan

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

DISH Network

15% discount on purchase price of stock

KLA

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Minimum discount

Tenable

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Pegasystems

Allows contributions up to 15% of base salary. 10% discount on purchase price of stock. 1 yr vest

Garmin

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. Discount is 15% off the lower of the beginning and ending prices of purchase period.

Fastly

15% discount on purchase price of stock

Keysight

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

FLIR Systems

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Labcorp

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Gilbane Building

Allows contributions up to 5% of base salary

SailPoint

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Workiva

15% discount on purchase price of stock

Equinix

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Alteryx

15% discount on purchase price of stock. $25k / yr max contribution

PTC

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

John Deere

Allows contributions up to 15% of base salary

Ciena

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

RingCentral

Allows contributions up to 15% of base salary. 10% discount on purchase price of stock

Global Payments

15% discount on purchase price of stock

Parsons

5% discount on purchase price of stock

OpenText

15% discount on purchase price of stock

SentinelOne

Allows contributions up to 15% of base salary

UserTesting

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Tyler Technologies

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Paylocity

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

McKesson

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Coupa Software

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Zuora

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Dynatrace

Allows contributions up to 15% of base salary

Progress

15% discount on purchase price of stock

Southwest Airlines

10% discount on purchase price of stock

Adidas

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock. For every 6 shared you keep for a year, company gives 1 matching shares for free

Logitech

15% discount on purchase price of stock

NCR

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

T. Rowe Price

Allows contributions up to 10% of base salary

UnitedHealth Group

10% discount on purchase price of stock

Zimmer Biomet

15% discount on purchase price of stock

CACI International

5% discount on purchase price of stock

Discovery

15% discount on purchase price of stock. Enrollment periods occur quarterly.

Intuitive

Locked at strike price with two year lookback period

Delivery Hero

Allows contributions up to 10% of base salary

Baxter International

15% discount on purchase price of stock

Aruba

Allows contributions up to 10% of base salary. 5% discount on purchase price of stock. On date of purchase

Viasat

Allows contributions up to 5% of base salary. 15% discount on purchase price of stock

Novartis

15% discount on purchase price of stock

Paychex

5% discount on purchase price of stock

Sinclair Broadcast Group

15% discount on purchase price of stock. up to $25,000 of shares

CalAmp

15% discount on purchase price of stock

CarMax

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Expeditors

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Guardant Health

Allows contributions up to 10% of base salary

Moderna

Allows contributions up to 25% of base salary. 15% discount on purchase price of stock

Resideo

Allows contributions up to 10% of base salary. 10% discount on purchase price of stock

NXP Semiconductors

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

iRhythm

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Discount of lowest value on first and last day of period, 2 purchase periods per year.

iRobot

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Revance

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

Loblaw Digital

Allows contributions up to 5% of base salary. 20% discount on purchase price of stock

Stamps.com

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

National Grid

15% discount on purchase price of stock

Agilent Technologies

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Nevro

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

OpenBet

Allows contributions up to 15% of base salary. 5% discount on purchase price of stock

Nelnet

Allows contributions up to 20% of base salary. 15% discount on purchase price of stock. Max $25,000 per year

SPS Commerce

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Shell

15% discount on purchase price of stock. up to $6,500

Genpact

10% discount on purchase price of stock

Maxar Technologies

15% discount on purchase price of stock

Citizens Bank

10% discount on purchase price of stock

Silicon Labs

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock

American Tower

15% discount on purchase price of stock. Employees can purchase company stock twice a year.

Viavi Solutions

15% discount on purchase price of stock

M&T Bank

Allows contributions up to 10% of base salary. 10% discount on purchase price of stock

Principal Financial Group

10% discount on purchase price of stock. up to $25,000/y

Assurant

10% discount on purchase price of stock

Magnite

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Dun & Bradstreet

Allows contributions up to 15% of base salary

Cars.com

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Digital Realty

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Annual calendar limit of US $25,000

CAE

Allows contributions up to 6% of base salary. 50% discount on purchase price of stock

Deluxe

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Symbotic

Allows contributions up to 15% of base salary. 15% discount on purchase price of stock. Lookback feature

Sling TV

15% discount on purchase price of stock

EOG Resources

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

Exponent

5% discount on purchase price of stock

ThousandEyes

Allows contributions up to 10% of base salary. 15% discount on purchase price of stock

X (Twitter)

Cerner

Twilio

Yelp

Klarna

AT&T

Box

Coinbase

Disney

Epic

Expedia

GoDaddy

Grab

Groupon

Mastercard

Medtronic

Nordstrom

Pandora

Qualtrics

Raytheon

Red Hat

Roku

Samsara

Samsung

Target

UBS

Wayfair

Wells Fargo

WeWork

Eventbrite

Niantic

Snowflake

Genentech

Siemens

Micron Technology

Western Digital

Capgemini

Sony

Magic Leap

DXC Technology

Nielsen

Ticketmaster

Ericsson

Gap

PepsiCo

Zynga

GoPro

Best Buy

NortonLifeLock

Deliveroo

Wish

UiPath

Thermo Fisher Scientific

Sonos

Remitly

Rocket Mortgage

Gartner

ICE Mortgage Technology

CrowdStrike

Costco Wholesale

Bank of America

Amgen

Ally

AIG

AXA

BNY Mellon

Discover

Forrester

Franklin Templeton

The Hartford

John Hancock

Marvell

Quotient Technology

Razorpay

Ola

WePay

NI

Chegg

Peloton

8x8

FICO

Leidos

Front

AngelList

Unacademy

League

L'Oréal

Alarm.com

Michelin

Adevinta

Upstart

Jamf

CVS Health

Zscaler

RBC

Infinera

Jabil

Alaska Airlines

Chatham Financial

FedEx

Blackbaud

SingleStore

Alkami

Teladoc Health

Dexcom

Peterbilt Motors

Tapestry

One Medical

JLL

Great American Insurance Group

CDW

Nuance Communications

TransUnion

Trimble

Talend

Kinaxis

Onfido

Ceridian

RELX

Avalara

The Trade Desk

Vertex Pharmaceuticals

PagerDuty

Domo

Swiss Re

S&P Global

AbbVie

Motorola

CGI

Amrock

Volansi

Podium

Procter & Gamble

Druva

Treasure Data

trivago

MarketAxess

Grafana

TD bank

Cummins

SiriusXM

Natera

Fifth Third Bank

Centene

Amdocs

Skydio

McDonald's

Rapid7

Experian

AECOM

Plenty

Skyworks Solutions

Globant

AlixPartners

BlackLine

UKG

Fortanix

Amplitude

Life360

Axon

Toast, Inc.

Acorns

Airbus

Postman

Mavenlink

Kin + Carta

Lifion

Pitney Bowes

FIS

Jacobs

FreeAgent

BlackBerry

Randstad

Xero

ABB

Anchorage Digital

LivePerson

WiseTech Global

Chargebee

Afterpay

BitGo

Grainger

Sherwin-Williams

The RealReal

Bevy

Platform.sh

Verisk

UPS

LexisNexis

Delta Air Lines

Farfetch

CyberArk

PIMCO

Datto

Hudl

Aramco

eHealth

WarnerMedia

monday.com

Exact Sciences

Exelon

Align Technology

Epsilon

H-E-B

Moog

Northern Trust

Signify

Societe Generale

Kyndryl

Chipotle Mexican Grill

Blockchain.com

Aeva

Hilton

Sure

QuantumScape

Diebold Nixdorf

Vinted

Huron

Okcoin

Secureframe

Instawork

Hyatt Hotels

Gallagher

BlaBlaCar

O'Reilly Auto Parts

Marsh McLennan

American Water

Archer

Forethought

Bread Financial

Netcore Cloud

Cognite

Amperity

Block

Primer

Kitware

Stellar Health

Click Therapeutics

DTE Energy

BehaVR

Motorola Solutions

Elevance Health

Apploi

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Frequently asked questions

Does Google have an ESPP?

No. Google does not offer an employee stock purchase plan, and neither do Meta or Amazon — all three compensate employees with RSU grants instead. Apple is the FAANG company that does offer one: 15% off with a 6-month lookback. See Google’s benefits and Google salaries for how its equity comp works.

What is a typical ESPP discount?

15% is the most common discount among the tech plans on this page (Apple, Tesla, Salesforce, Adobe, Uber, eBay) and the legal maximum for a qualified Section 423 plan. Microsoft and LinkedIn offer 10%; Oracle offers 5%.

What is an ESPP lookback period?

A lookback applies your discount to the lower of the stock price at the start of the offering period or at purchase. Example: stock at $100 at the start of a 6-month period and $130 at purchase — with a 15% discount and lookback you pay $85 for a $130 share. Apple’s plan uses a 6-month lookback; Adobe’s and eBay’s use 24 months.

How much can I contribute to an ESPP?

Two caps apply: your plan’s payroll cap — typically 10–15% of base salary per the companies below — and the IRS’s $25,000-per-calendar-year cap on the fair market value of stock purchased under a qualified Section 423 plan.

Is an ESPP worth it?

Usually, yes — a 15% discount is a 17.6% pre-tax return on each purchase ($85 in becomes $100 of stock) even if you sell immediately, and a lookback can push the return far higher in a rising market. The main risks are holding the stock past purchase (concentration in your employer) and the tax treatment of early sales (disqualifying dispositions are taxed as ordinary income).

Which companies have the best ESPP?

Look for the trifecta: 15% discount, long lookback, high contribution cap. On employee-reported data here, Adobe (15%, 24-month lookback, up to 25% of salary) and eBay (15%, 24-month lookback) stand out; Apple offers 15% with a 6-month lookback, and Nvidia’s plan is reported at 15% with a lookback over a roughly 24-month offering.

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