AMT + ISO Exercise Calculator
Open →Plan Affirm ISO exercise around the AMT bargain element. Federal + state, AMT crossover, multi-year credit recovery.
Deep dive: Four AMT mistakes you can still fix before December 31 →Affirm (AFRM) stock & equity tools
Public · Fintech · IPO 2021IPO'd 2021-01-13. Plan AMT, exercise tax, and sell-vs-hold decisions around current trading price. Calculator inputs are yours.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Post-Termination ISO Calculator
Open →Left Affirm with vested ISOs? Model the 90-day exercise-or-forfeit window: your deadline, AMT cost of exercising at once, and the share count that maximizes after-tax value.
NSO Exercise Calculator
Open →Affirm NSO exercise tax (federal, state, FICA) plus a sell-vs-hold comparison for long-term capital gains.
Deep dive: Six NSO mistakes your tax advisor probably won't mention →RSU Sell-vs-Hold Calculator
Open →Should you sell Affirm RSUs at vest or hold? Compare after-tax payout across the 12-month LTCG cliff.
Deep dive: Five RSU mistakes that quietly grow your April tax bill →Stock Concentration Calculator
Open →Quantify AFRM concentration risk: drawdown impact at 30 / 50 / 70%, sell-down vs. hedge trade-off, tax-aware.
Deep dive: Five costly stock concentration mistakes →Protect Your Stock Calculator
Open →Hedge a AFRM position: protective put or zero-cost collar pricing off the current option chain. Annual cost, max loss, upside cap, tax notes.
Deep dive: Seven hedging mistakes that erase the protection you paid for →Stock Sale Funding Calculator
Open →Sell AFRM stock to fund a goal (house, tuition, sabbatical): the minimum-tax schedule to net a target cash amount by a date, across tax years.
Deep dive: Cashing out stock for a goal? Convert your risk tolerance into cash. →
Don't work at Affirm? Find another company.
About Affirm
Affirm (AFRM) is a public Fintech company, incorporated in Nevada and headquartered in San Francisco, CA. IPO'd Jan 13, 2021.
Last close: $74.69 per share (as of 2026-06-16).
Equity grants at Affirm typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later (BNPL) financier. As of 2025, Affirm reports nearly 27 million users and processing $37 billion in annual payments.
Source: Wikipedia (CC BY-SA 4.0)
Buy-now-pay-later financing without compounding interest or late fees is Affirm's core product proposition. Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell founded Affirm in San Francisco in 2012 through the HVF startup studio; Levchin, a PayPal co-founder, became CEO in 2014. The company charges merchants a fee to offer installment options at checkout and earns interest income on longer-term loans, partnering with Amazon, Walmart, and Shopify. Affirm IPO'd on Nasdaq as AFRM in January 2021, with shares more than doubling on the first day of trading.
Sources: en.wikipedia.org · news.crunchbase.com
Equity comp at Affirm
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Affirm.
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OptionsAhoy plans your Affirm equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.