Get Your $128K+ Answer
Without Hiring a Financial Advisor
See your personalized answer in 10 minutes. Model 3-5 year strategies using your actual income, grants, and exit timeline — not generic examples.
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Example: 50,000 ISOs at a Series C Startup
Simplified illustration. Full calculator includes state taxes, AMT exemptions, and credit recovery.
Built for equity holders at
The 3 Questions Your CPA Can't Answer Fast Enough
Real confusion from employees with $500K-$2M ISO grants
Timing Paralysis
Exercise 10K shares now or 20K later? Every advisor says "it depends." Meanwhile, every 409A update changes the math.
See your optimal timing across 3 scenarios instantly
AMT Credit Mystery
You paid $45K in AMT. Your CPA says "you'll get it back eventually." But WHEN exactly? That's YOUR money sitting with the IRS.
Year-by-year recovery timeline shows exactly when you recover every dollar
Exit Price Uncertainty
IPO at $30 vs $100? The "right" exercise timing at $30/share might be catastrophic at $100/share. You need to plan for both.
Interactive slider shows outcomes at ANY exit price instantly
3 Strategies Side-by-Side: Choose Your Risk Level
Conservative, Balanced, or Aggressive? See exact outcomes for YOUR ISO grant.
Outcome Distribution by Strategy
Narrower curves = more predictable outcomes
Net Proceeds at Exit
| Strategy | Mean net proceeds at exit (USD) | 1σ spread (USD) |
|---|---|---|
| Conservative | 1150000 | 80000 |
| Balanced | 1280000 | 130000 |
| Aggressive | 1350000 | 200000 |
Conservative
- Zero AMT risk
- Gradual tax payments
- Maximum flexibility
- Lowest net proceeds
- Longest timeline
- More years of uncertainty
Balanced
- Moderate AMT risk
- Middle ground approach
- Good risk/reward ratio
- Some AMT in final year
- Requires income planning
- Less flexible than Conservative
Aggressive
- Highest net proceeds
- Fastest completion
- Maximum capital gains
- High AMT payment
- Requires cash upfront
- Risk if IPO delays
Key Insight:
Aggressive strategy nets $200K more than Conservative BUT requires $60K AMT payment upfront (Year 2). If IPO delays by 2 years, you're stuck with illiquid shares + cash paid.
Not sure which fits YOUR income and risk tolerance? → See your personalized recommendation in 10 minutes
| Strategy | Risk level | Shares per year | Plan duration | Peak AMT | Net at exit | Best for |
|---|---|---|---|---|---|---|
| Conservative | LOW | 10K/year | 5-year plan | $0 | $1.15M | Cautious, stable income |
| Balanced | MEDIUM | 15K/year | 3-year plan | $15K Year 3 | $1.28M | Confident in IPO timing |
| Aggressive | HIGH | 25K/year | 2-year plan | $60K Year 2 | $1.35M | Bullish, high risk tolerance |
CPA-Grade Accuracy. No CPA Price Tag.
Every calculation follows IRS Form 6251 line by line — the same methodology your CPA uses.
Cost
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Multiple scenario modeling
Accounts for state taxes
CPA-ready report
Accuracy for complex situations
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Get Your Personalized 5-Year Exercise Strategy
Your company will raise 2-3 rounds before IPO. Your salary will increase 15-30%. Your plan adapts with you.
Monthly
Flexible month-to-month
- Complete 5-year roadmap: know exactly when to exercise each year
- 3 strategies compared: see which fits YOUR risk tolerance
- AMT credit timeline: know when you'll recover every dollar
- Exit sensitivity: model $30-$150/share outcomes in seconds
- Shareable results: explain your strategy to spouse or advisor
- Cancel anytime
Yearly
Just $12.42/month
- Complete 5-year roadmap: know exactly when to exercise each year
- 3 strategies compared: see which fits YOUR risk tolerance
- AMT credit timeline: know when you'll recover every dollar
- Exit sensitivity: model $30-$150/share outcomes in seconds
- Shareable results: explain your strategy to spouse or advisor
- Never make decisions on stale data—update as 409A changes
- Unlimited edits: income, FMV, exit assumptions
- Model promotions and salary growth over time
- Compare versions: see how your optimal plan evolved
- Save $439 vs monthly
Your 409A valuation updates quarterly. Plan while your current data is fresh — updates 6 months from now could change your optimal strategy entirely. The annual plan lets you update unlimited times throughout the year.
For Less Than One Hour of a CPA's Time
30-day money-back guarantee • Cancel anytime
Every 409A Increase Changes Your Optimal Strategy
Don't let your plan become obsolete. Update it when your company's valuation changes — each update could save $50K+.
30-day money-back guarantee • Cancel anytime
“Changed my exercise timing based on the 3-scenario comparison. Avoided $45K in AMT I would have paid this year.”
— Senior Engineer, Series D startup
Common Questions About Multi-Year Exercise Planning
Real questions from Series B-D employees with $500K-$2M ISO grants