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Free educational tool · Investing

Stock Option Planning Engine

Identify compensation-income, AMT, holding-period, liquidity, and basis questions before exercise or sale.

Tax year 2026 · Last reviewed 2026-07-29 · Inputs stay in your browser

Investing · Educational Decision Engine

Stock Option Planning Engine

Compare the immediate spread, cash required, and general ISO or nonstatutory option tax signals. This is not an exercise, sale, valuation, or investment recommendation.

Confirm the grant agreement and employer records.
Use vested and exercisable options only.
From the grant agreement.
Private-company valuation requires appropriate company support.
A scenario only—not a valuation or forecast.
When all three dates are entered, actual dates control instead of rounded year inputs.
Use the legal exercise date shown in company records.
ISO anniversary tests require a sale more than two years after grant and more than one year after exercise.
ISO qualifying disposition generally requires more than two years after grant.
ISO qualifying disposition generally requires more than one year after exercise.

Your entries stay in this browser. Nothing you enter is sent to analytics, TaxSpectra, or any server.

Educational-use disclosure. This tool is not tax, legal, payroll, valuation, fiduciary, or investment advice; does not create a client relationship; and does not guarantee an outcome.

Tax year: 2026. Last reviewed: 2026-07-29.