Plan your Ramp ISO exercise
Calculator · free · no signup · pre-IPORamp is pre-IPO. Plan your AMT impact at any valuation: current 409A, expected IPO price, or post-IPO scenarios.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your grant
Seeded from secondary-market data, as of Jun 16, 2026
Tax inputs
Grant timeline
Net final value at year 3 sale — optimized plan
$433,069
After-tax dollars at end of year 3, net of all federal + state taxes through the sale.
This year: exercise 1,033 shares (of 10,000 total).
= gross gain at sale − federal + state LTCG − AMT premium above baseline regular tax (time-valued)
AMT premium for exercising: $377,623 (on top of $228,434 regular tax across the horizon)
Optimized plan keeps $40,208 more than lump-sum, $53,769 more than even split.
Federal AMT crossover this year: 497 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 | 1,033 | |||
| 2 | 1,006 | |||
| 3 | 7,961 |
Federal AMT credit
Earned
$312,253
Recovered
$0
Remaining
$312,253
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
$392,861
−$40,208
Even split
Equal shares each year
$379,299
−$53,769
Optimized
Tax-aware schedule
$433,069
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 →About Ramp
Ramp is a privately held Fintech company, incorporated in Delaware and headquartered in New York, NY.
Last reported secondary-market price: $120 per share (as of 2026-06-16). Your own 409A may differ.
$32B; corporate cards.
Equity grants at Ramp typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
Ramp Business Corporation is an American multinational financial technology company that offers corporate charge cards, expense management, and bill-payment software. The company is headquartered in New York City with additional offices in Miami and San Francisco.
Source: Wikipedia (CC BY-SA 4.0)
Founded in 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee (the trio behind Paribus, sold to Capital One in 2016), Ramp now anchors the corporate-card and spend-management category from its NYC headquarters. The platform bundles corporate cards, expense management, bill pay, treasury, and the Ramp Intelligence AI layer that automates approvals, vendor research, and procurement. A $300M Series F led by Founders Fund in October 2025 pushed the valuation to $32B, overtaking Brex in market share and crowning Ramp the highest-valued private fintech in the segment.
Sources: en.wikipedia.org · techcrunch.com
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Ramp.
The calculator works at any Ramp valuation: enter your strike, the current 409A FMV, an expected IPO price, or anywhere in between. AMT is triggered on the bargain element (FMV minus strike) when you exercise; the calculator models federal AMT, state AMT, and the multi-year credit-recovery path.
Example: at Ramp's last reported price of $120, exercising 5,000 ISOs with a $36 strike creates a $420,000 bargain element. Above the 2026 federal AMT exemption ($88,100 single, $137,000 married joint), the 28% AMT rate adds roughly $117,600 on top of regular tax before any state AMT (CA, CO, CT, MN). The credit recovers in later years when your regular tax exceeds AMT. The calculator above runs your exact figures.
All Ramp tools → · Use the generic AMT + ISO Exercise Calculator for any company.
Ramp equity questions
- How much alternative minimum tax (AMT) will I owe exercising Ramp 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 Ramp figures.
- Does Ramp grant ISOs, NSOs, or RSUs?
- Equity compensation at Ramp 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.
- Are Ramp shares eligible for QSBS?
- They might be. Qualified small business stock (QSBS) under Internal Revenue Code Section 1202 can exclude federal tax on much of the gain when shares were acquired at original issuance from a C-corporation while its gross assets were under $50 million, and held at least five years. Whether your Ramp shares qualify turns on when you acquired them and the company's asset size at that time.
One piece of the puzzle.
OptionsAhoy plans your Ramp equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.