Stock Options Calculator

Calculate stock option values for ISO, NSO, and RSU grants with AMT exposure analysis, vesting timeline, and exercise strategy comparison. Free, fast, and private — runs entirely in your browser.

Grant Type

Grant Details

Number of Shares

Strike Price ($)

Current Share Price ($)

Vesting Schedule

Federal Tax Bracket (%)

State Tax Rate (%)

Other Annual Income ($)

Holding Period

Held >1 year after exercise (options) or vest (RSU)

Estimated Net After-Tax Value

$170,000

10,000 ISO shares at $5.00 strike | Long-term holding

Current Value

$250,000

Total Gain

$200,000

Est. Tax

$30,000

15.0% effective

Cost to Exercise

$50,000

AMT Exposure Warning

Exercising these ISOs may trigger the Alternative Minimum Tax (AMT). The bargain element of $200,000 is treated as AMT income at exercise, even if you do not sell the shares.

AMT Income

$200,000

Potential AMT

$29,718

2024 AMT exemption: $85,700. Rates: 26% up to $232,600, then 28%.

Tax Treatment: ISO

Qualifying Disposition (Long-term)

Hold shares at least 2 years from grant date AND 1 year from exercise date. Entire gain taxed at long-term capital gains rates (0%/15%/20%).

Disqualifying Disposition (Short-term)

Spread at exercise taxed as ordinary income. AMT may still apply at exercise even before selling.

Tax Comparison: All Grant Types

Grant Type	Gross Gain	Tax (Short-Term)	Tax (Long-Term)	Best Net Value
ISOSelected Incentive Stock Options	$200,000	$74,000	$30,000 incl. AMT	$170,000
NSO Non-Qualified Stock Options	$200,000	$74,000	$74,000	$126,000
RSU Restricted Stock Units	$250,000	$92,500	$92,500	$157,500

Vesting Timeline (4-year with 1-year cliff)

6mo

0shares

1yr

2,500shares

$50,000

1y6m

3,750shares

$75,000

2yr

5,000shares

$100,000

2y6m

6,250shares

$125,000

3yr

7,500shares

$150,000

3y6m

8,750shares

$175,000

4yr

10,000shares

$200,000

No shares vest during the 12-month cliff period. At month 12, 2,500 shares vest at once.

Value at Different Share Prices

Share Price	Total Gain	Est. Tax	Net After Tax
$6.25	$12,500	$1,875	$10,625
$12.50	$75,000	$11,250	$63,750
$18.75	$137,500	$20,625	$116,875
$25.00Current	$200,000	$30,000	$170,000
$37.50	$325,000	$62,352	$262,648
$50.00	$450,000	$97,352	$352,648
$75.00	$700,000	$167,352	$532,648
$125.00	$1,200,000	$307,352	$892,648

Break-even price: $5.00 (your strike price). Options are "underwater" and worthless below this price.

Important Disclaimer

This calculator provides estimates only and should not be used as tax advice. Stock option taxation is complex and depends on many factors including your specific grant agreement, state tax laws, AMT history, and other income. Consult a qualified tax professional or financial advisor before making exercise or selling decisions.

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How to Use Stock Options Calculator

1Select your option type (ISO, NSO, or RSU).
2Enter grant details: shares, strike price, current value.
3Set your vesting schedule and tax bracket.
4Compare exercise strategies and tax implications.

Frequently Asked Questions

What's the difference between ISO, NSO, and RSU?▾

ISOs get preferential tax treatment (capital gains), NSOs are taxed as ordinary income at exercise, and RSUs are taxed as income when they vest.

What is AMT exposure?▾

Alternative Minimum Tax (AMT) can apply when you exercise ISOs. The spread between exercise price and fair market value is an AMT preference item.

Is this calculator free?▾

Yes, completely free with no sign-up required. All calculations run in your browser.

How accurate is this calculator?▾

Uses current US tax brackets and AMT thresholds. Stock option taxation is complex — consult a tax advisor for your specific situation.

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About Stock Options Calculator

Calculate stock option values for ISO, NSO, and RSU grants with AMT exposure analysis, vesting timeline, and exercise strategy comparison. Free, fast, and private — runs entirely in your browser.

NexTool's Stock Options Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.