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Map the full cost
Enter the grant, current value, location, and income assumptions. See exercise price and estimated taxes together.
Stock option clarity, right on time
Give your optionsa longer runway.
See the full cost to exercise, compare funding paths, and make a decision before the clock makes it for you.
Built around the grant in your inboxISO + NSOAMT estimatesState fallback warningsNo signup
One platform, the whole decision
Optioning turns a dense grant into a decision you can explain.
Start with the math. Add financing only if it improves the outcome. Every step keeps the assumptions in view.
Your option journey
From first question to final call.
Use only what you need today. Come back when the grant, valuation, or timeline changes.
Open the grant
Know what you actually own
Translate strike price, fair market value, vesting, and exercise windows into one clear picture.
Run the math
See exercise cost plus tax
Model ISO and NSO exercises with federal, state, FICA, and AMT estimates before cash leaves your account.
Compare the paths
Keep the tradeoffs visible
Put self-funding and illustrative loan-style or value-sharing structures next to the same exit scenarios.
Ask about availability
Submit details for review
Share the option details once as a financing inquiry, without mistaking follow-up for an approval or offer.
The long advantage
Fewer unknowns between your grant and your answer.
The calculator keeps the assumptions next to the result, so you can change one number and understand what moved.
Start with the true cash number.
Exercise price is only the first line. Bring the tax estimate into the same view before you choose a funding path.
- ISO and NSO scenarios
- Federal, state, FICA, and AMT estimates
- Holding-period and long-term capital gain context
- A shareable result for your advisor
Example only. Your result changes with grant terms, income, filing status, location, and tax assumptions.
A longer decision runway
Three steps. The math stays with you.
Optioning is useful before, during, and after the exercise decision. You can stop at the calculator or continue into financing without starting over.
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Pressure-test the paths
Change exit values and compare self-funding with illustrative financing structures on the same assumptions.
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Move when it makes sense
Save your result, share it with an advisor, or submit the details as a financing inquiry for review.
Why the clock matters
Too much equity disappears in the gap between grant and exercise.
The decision can combine a large cash need, an unfamiliar tax bill, and a short deadline. Better information creates room to choose.
Exercise cost
The strike price can require substantial cash before a share is liquid.
Tax exposure
ISO and NSO exercises can create different federal and state tax obligations.
Deadlines
A post-employment exercise window can force a decision before liquidity exists.
Validated inputs
Educational estimates
Assumptions kept visible
Questions, answered plainly
FAQ
How accurate are the calculator results?
They are planning estimates based on the information and assumptions you provide. Tax outcomes vary, so use the result to prepare questions for a qualified tax professional—not as a tax filing figure.
Do I need to apply for financing to use Optioning?
No. The calculators and education library are available on their own. Submit a financing inquiry only if you want follow-up on that path.
What does non-recourse mean here?
In an illustrative structure, non-recourse generally limits repayment to specified collateral or proceeds. Do not assume that treatment is available; only definitive terms can establish it.
Can I model both ISOs and NSOs?
Yes. The stock option tax calculator supports ISO and NSO scenarios and shows the different tax assumptions used for each.
Does Optioning provide tax or investment advice?
No. Optioning provides educational tools and estimates. A qualified tax, legal, or financial professional can advise on your specific situation.
Notes for the next decision
Keep up with option tax, timing, and financing.
Occasional, practical updates for startup employees. No daily market noise.