Advasa Holdings, Inc. (ADBT) AMT + ISO Calculator
Calculator · free · no signup · ADBTPlan your Advasa Holdings, Inc. ISO exercise around the AMT bargain element from current trading price.
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Your grant
Tax inputs
Grant timeline
Net final value at year 3 sale — optimized plan
$242,783
After-tax dollars at end of year 3, net of all federal + state taxes through the sale.
This year: exercise 2,640 shares (of 10,000 total).
= gross gain at sale − federal + state LTCG − AMT premium above baseline regular tax (time-valued)
AMT premium for exercising: $90,254 (on top of $228,434 regular tax across the horizon)
Optimized plan keeps $57,102 more than lump-sum, $796 more than even split.
Federal AMT crossover this year: 1,271 shares ($57,238 bargain element). Above that, each additional share this year adds federal AMT.
Estimates only. Not financial advice.
Net final value by year
Running tally: NTV from shares exercised through year y, minus AMT premium paid through year y. The last year matches the plan's headline NTV. Hover a year for plan totals.
Optimized exercise schedule
You pay the higher of Regular tax and Tentative AMT per jurisdiction, then subtract Credit recovered. The result is Net tax. Hover any number for the bracket-by-bracket breakdown.
| 1 | 2,640 | |||
| 2 | 2,567 | |||
| 3 | 4,793 |
Federal AMT credit
Earned
$80,681
Recovered
$0
Remaining
$80,681
The AMT credit only recovers in years where regular tax exceeds AMT — typically a year with no ISO exercise. Every year in this schedule has bargain element, so AMT exceeds regular tax in every year and the credit carries forward untouched. Try a longer horizon or fewer total shares to introduce a recovery year.
Plan comparison
Net value at the end of your hold horizon.
Lump-sum
All in Year 1
$185,681
−$57,102
Even split
Equal shares each year
$241,987
−$796
Optimized
Tax-aware schedule
$242,783
Highest
Estimates only. Excludes disqualifying dispositions, NSOs, multi-state moves, and AMT preferences other than ISO bargain elements. Long-term capital gains tax assumes a qualifying disposition (ISO held ≥1 yr from exercise and ≥2 yr from grant); state LTCG follows ordinary brackets except where the state grants preferential treatment (HI, ND, SC, WI, AR, NM) or has a dedicated LTCG-only tax (WA). Assumes you are within the $100K ISO limit (any portion of an annual ISO grant whose FMV at grant exceeds $100K is treated as NSO from the start, §422(d)). State AMT figures are 2025 (next-year values published in late 2026). Not financial advice.
QSBS note. If your shares qualify (typically pre-IPO C-corp grants held 5+ years), a federal rule lets you exclude up to $10M of gain on a future sale from federal tax. That single rule shifts exercise-timing math more than AMT does. (This is §1202 “qualified small-business stock”.) Modeled in beta, not here.
You optimized one grant in isolation. The beta optimizes ISOs alongside your RSUs, NSOs, and stock in one plan.
Request beta access →Related calculators: QSBS Qualification Checker · NSO Exercise Calculator · Post-Termination ISO Exercise Calculator
About Advasa Holdings, Inc.
Advasa Holdings, Inc. (ADBT) is a public Fintech company, incorporated in Delaware. IPO'd Aug 25, 2026.
Last close: $0.12 per share (as of 2026-09-16).
Nasdaq direct listing Aug 2026; Japan earned-wage-access fintech.
Equity grants at Advasa Holdings, Inc. typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
Asamitsu Kosugi founded Advasa's Japanese operating subsidiary, ADVASA Co., Ltd., in Tokyo in 2017. The company built FUKUPE, an earned wage access platform that lets employees draw against wages they have already earned, ahead of the scheduled payday, integrated into employers' HR and payroll systems. Advasa Holdings, Inc., the Delaware parent formed in 2025, reported $22 million in revenue for the 12 months ended September 30, 2025, across 12 corporate clients. On August 25, 2026, it completed a direct listing on the Nasdaq Global Market under ticker ADBT, following a $16 million private placement priced at $10 per share.
Sources: sec.gov · businesswire.com · globenewswire.com
Equity comp at Advasa Holdings, Inc.
- Very small Japan-based fintech holding company (2 full-time employees as of the S-1 filing) pursuing a micro-cap Nasdaq IPO under ticker ADBT. The 2025 Stock Incentive Plan permits both options and RSUs, but at this headcount most equity is likely founder/early-employee stock rather than ongoing RSU grants.
Sources: sec.gov
Researched 2026-05-11.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Advasa Holdings, Inc..
Use this calculator to plan a Advasa Holdings, Inc. (ADBT) ISO exercise around the AMT bargain element from the current trading price. The math accounts for federal AMT, state AMT (CA, CO, CT, MN where applicable), AMT crossover, and year-over-year credit recovery. Inputs are yours: strike price, share count, FMV at exercise, and your filing-status income.
All Advasa Holdings, Inc. tools → · Use the generic Multi-Year ISO Exercise Schedule Calculator for any company.
Advasa Holdings, Inc. equity questions
- How much alternative minimum tax (AMT) will I owe exercising Advasa Holdings, Inc. ISOs?
- Exercising incentive stock options (ISOs) does not create regular income tax, but the bargain element (the fair market value at exercise minus your strike price) counts toward the alternative minimum tax (AMT). The amount depends on the bargain element, your other income, your filing status, and your state. The calculator above models federal and state AMT, the AMT crossover point, and how the credit recovers in later years for your exact Advasa Holdings, Inc. figures.
- Does Advasa Holdings, Inc. grant ISOs, NSOs, or RSUs?
- Equity compensation at Advasa Holdings, Inc. typically takes the form of incentive stock options (ISOs) and non-qualified stock options (NSOs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise.
- When did the Advasa Holdings, Inc. IPO lockup expire?
- Advasa Holdings, Inc. (ADBT) went public on August 25, 2026. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around February 21, 2027. Confirm against your own grant paperwork, since some lockups release early or in stages.
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