Options Break-Even Calculator

Find exactly where a long call or put option breaks even at expiration, and see P&L across a range of stock prices.

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Break-even price at expiration

$109

Stock must rise above this price by expiration to profit.

Detailed results
Total premium paid$350
Intrinsic value (current)$0.00
Time value (theta decay)$3.50
% move needed to break even8.5%
Maximum loss (premium paid)$350

What this result means

Break-even price at expiration: $109.

The stock needs to trade above $108.50 by expiration to profit — a 8.5% move from current price. Maximum loss is the premium paid.

P&L at Expiration by Stock Price

Profit or loss at expiration across a range of stock prices.

P&L at Expiration by Stock Price. 13 rows, first 12 shown.
Stock PriceP&L
$73.50-$350
$78.75-$350
$84.00-$350
$89.25-$350
$94.50-$350
$99.75-$350
$105-$350
$110$175
$116$700
$121$1,225
$126$1,750
$131$2,275

How this is calculated

Call break-even = strike + premium. Put break-even = strike − premium. P&L = (intrinsic_value − premium) × 100 × contracts.

A long call option gives you the right — not the obligation — to buy 100 shares at the strike price before expiration. A long put gives you the right to sell. Both are purchased by paying a premium.

Break-even at expiration. For a call, you profit when the stock trades above strike + premium (your break-even). For a put, when it trades below strike − premium. Any price in between means you lose part or all of the premium.

Intrinsic value vs time value. The premium has two components. Intrinsic value is the immediate exercise value (call: max(stock − strike, 0); put: max(strike − stock, 0)). Time value is everything else — it reflects the probability that the option moves further in-the-money before expiration. Time value decays to zero at expiration (theta decay).

Maximum loss is the premium. For long options, you can never lose more than what you paid. This defined-risk profile is why long options are often preferred to short options or outright stock positions for speculative trades.

In-the-money vs out-of-the-money. A call is in-the-money (ITM) when the stock is above the strike. Out-of-the-money (OTM) calls cost less (lower premium) but require a larger move to profit. OTM options have higher leverage but lower probability of profit.

Assumptions

  • Calculations are for long (bought) options only — short (sold) options have different risk profiles.
  • P&L is at expiration (intrinsic value only); mid-term value includes time value not shown.
  • 1 contract = 100 shares (standard US equity options).
  • American-style exercise options may be exercised early; this calculator shows European-style expiration value.
  • No commissions or bid-ask spread included in break-even calculation.

Frequently asked questions

What happens if I hold to expiration out-of-the-money?

The option expires worthless and you lose the entire premium. Most options (roughly 70-80%) expire worthless, which is why selling options can be profitable — but sellers face unlimited risk on naked calls.

Can I sell the option before expiration?

Yes, and most options traders do. If the underlying moves in your favor before expiration, the option's intrinsic and/or time value increases. You can close by selling to close in the options market.

What is theta decay?

Theta is the daily erosion of time value. An option that is far from the money loses time value faster as expiration approaches. This works against option buyers and in favor of option sellers.

What does 1 contract cover?

Standard equity options in the US cover 100 shares per contract. Buying 1 call at a $3.50 premium costs $350 total (3.50 × 100), controlling 100 shares.

How do dividends affect options?

Dividends reduce call prices and increase put prices on the ex-dividend date. For long-dated calls, this effect can be significant and is captured by the dividend yield in pricing models like Black-Scholes.

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