Multi-Year ISO Exercise Schedule Calculator
Open →Plan Qumulus AI ISO exercise around the AMT bargain element. Federal + state, AMT crossover, multi-year credit recovery.
Deep dive: How to find your ISO AMT crossover point (2026) →IPO'd 2026-07-16. Plan AMT, exercise tax, and sell-vs-hold decisions around current trading price. Calculator inputs are yours.
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Plan Qumulus AI ISO exercise around the AMT bargain element. Federal + state, AMT crossover, multi-year credit recovery.
Deep dive: How to find your ISO AMT crossover point (2026) →Left Qumulus AI 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.
Qumulus AI NSO exercise tax (federal, state, FICA) plus a sell-vs-hold comparison for long-term capital gains.
Deep dive: NSO exercise: sell now or hold for long-term capital gains? →Quantify QMLS concentration risk: drawdown impact at 30 / 50 / 70%, sell-down vs. hedge trade-off, tax-aware.
Deep dive: How much of your net worth should be in one stock? →Hedge a QMLS position: protective put, zero-cost collar, or put spread pricing off the current option chain. Annual cost, max loss, upside cap, tax notes.
Deep dive: How a zero-cost collar works on concentrated stock →Sell QMLS 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 Qumulus AI? Find another company.
Qumulus AI trades publicly (QMLS) after its 2026 IPO, so every calculator below prices off the live QMLS price — no 409A estimate required. If you hold Qumulus AI equity (incentive stock options (ISOs) and non-qualified stock options (NSOs)), your after-tax outcome turns on a few linked decisions.
The tools below model each of these: whether exercising ISOs triggers the alternative minimum tax (AMT) this year, and the share count that keeps you under the crossover and how much QMLS concentration to carry versus diversify or hedge.
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OptionsAhoy plans your Qumulus AI equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.