LIT Unlock Planner

1. Your numbers

Non-LIT assets (USD) Cash, stocks, other crypto, house equity… everything that isn't LIT. Total LIT to be vested All 36 months worth, in tokens. LIT price (USD) Fetching live price… Months of future unlocks you count as "yours" How far ahead you look when thinking of net worth. 6 is a reasonable default. Why? Target LIT share of net worth (%) How concentrated you are comfortable being. Why?

2. Net worth simulator

Net worth = non-LIT assets + the next months of unlocks at the current price.

3. Deal simulator

The deal: sell some (or all) of your first 3 months of unlocks (Jan–Mar 2027) at today's price with a haircut. The price is locked in now; the USD is paid out as each month vests (Jan, Feb, Mar 2027) instead of the tokens. No cash arrives before then.

How much of the first 3 months do you sell? (%)

%

Haircut (%) Fixed by the deal. Editable so you can play with it.

4. End of March 2027 — how would you feel?

It's March 31, 2027. The first 3 months have vested. LIT is trading at one of the prices below. Compare where you'd sit with the deal (at your from section 3) vs. without it (you kept every token). Same -month view as above. Each column shows your total net worth, how it moved vs. today, and the $ split between LIT and non-LIT — so a "behind by $X" can be read next to what happened to the whole picture. ("Today" is section 1's net worth; by March three more months have vested, so even the flat case is up a little.) Edit the scenario percentages to test your own.

5. Help me think about this

How many months of unlocks should I count as net worth?

Tokens you haven't received yet are not the same as tokens in your wallet. They carry price risk (LIT can move a lot in 6–36 months) and liquidity risk (you can't sell or spend them today). Counting all 36 months at today's price is the most optimistic view; counting 0 is the most conservative. Most advisors would discount far-out unlocks heavily and give the nearest ones close to full weight.

0–3 months: "I only count what I can touch soon." Very conservative; useful for planning around a worst-case price scenario or near-term spending needs.
6 months (default): a common middle ground — far enough that it matters, close enough that you can reasonably plan around it.
12 months: roughly a "one year ahead" view. Reasonable if you have a high tolerance for price volatility and don't mind a bigger swing in your perceived net worth.
36 months: full paper value. Fine for dreaming, bad for making decisions — most of it is years away.

A useful test: pick the horizon at which, if LIT dropped 70% tomorrow, you'd still feel OK about the number.

What share of my net worth should be in LIT?

There is no right answer, but there are some widely used anchors:

Traditional wealth managers call a single position above ~10–20% of net worth a concentrated position and usually recommend trimming it, because idiosyncratic risk isn't rewarded on average.
Founders / early employees routinely sit at 50–90% because they have conviction and (unlike an outside investor) no easy way to diversify early. That's fine as long as it's a conscious choice.
The "sleep test": if LIT went to zero, would your life change? If yes, you're probably above your real comfort level.
The "buy test": if you had the equivalent USD today, would you buy this much LIT at today's price? If not, holding it is the same decision as buying it.
Runway first: many people target having 2–3+ years of living costs in non-LIT assets before optimizing the ratio. Concentration is a lot more comfortable when your bills are covered regardless.

Is the 25% haircut a good deal?

Locking in 0.75× today's price for a month's unlock beats holding it if LIT trades below 0.75× today's price when that month vests. Note that the cash arrives at vest time, not now — so you're not buying liquidity, you're paying 25% for (a) certainty about what Jan–Mar 2027 will be worth and (b) diversification you can't otherwise get before then (you can't sell tokens you don't have yet, and hedging with perps is not permitted — see below). Whether that's worth it depends less on your LIT price forecast than on how much you value (a) and (b).

You don't have to go 0% or 100%. The simulator tells you what sell percentage lands you exactly on your target allocation — a partial sale is often the answer.

Other things to keep in mind

No hedging with perps. Company policy does not allow hedging or shorting your LIT exposure with perpetuals, options or any other derivatives, on Lighter or elsewhere, nor actively trading around your unlocks. This page assumes the only levers you have are the deal above and what you do with tokens after they vest.
Timing. The deal doesn't change when you get value — Jan, Feb and Mar 2027 — only what you get (fixed USD instead of tokens). If you need cash before 2027, this isn't the tool for that.
Taxes. A sale is a taxable event in most jurisdictions; token unlocks may be income at unlock. Talk to an accountant before acting on any of these numbers.
Price is a snapshot. The price field is fetched live from the LIT market; change it to stress-test your plan (e.g. −50%, −80%, +100%).
This ignores the other 33 months. By design — see the horizon question. Your long-term exposure is much larger than any number on this page.
Regret minimization. Imagine both futures: LIT 3× and you sold; LIT −80% and you didn't. Which one do you regret more? Size the sale so you can live with both.