Toast (TOST) AMT + ISO Calculator

Calculator · free · no signup · TOST

Plan your Toast ISO exercise around the AMT bargain element from current trading price.

Beta · invite-only · AlphaLatitude Inc. · Free Tools

Your grant

pre-IPO? leave blank — enter price + growth manually
3 yrs
10%

Tax inputs

Grant timeline

For long-term capital gains treatment when sold, your ISO shares need to be held until Apr 30, 2027 (2 years from grant). Sales before that are disqualifying dispositions: this tool models exercise-and-hold only. Want to see the whole picture? Try OptionsAhoy's beta: it optimizes ISOs alongside your entire portfolio, and you pick the goal: max value, cash flow, or minimum tax.

Exercise tax cost — optimized plan

$97,243

Total bill: $325,617 ($228,374 regular + $97,243 from exercise)

Optimized plan saves $36,689 vs. lump-sum.

Up to 1,270 shares ($57,162 bargain element) this year before federal AMT applies.

Cumulative exercise cost

A line can dip when AMT credit from a prior year recovers. Hover a year for plan totals.

$0$41K$82K$123K$164KYear 1Year 2Year 3
Lump-sumEven splitOptimized

Optimized exercise schedule

You pay the higher of Regular tax and AMT tax each year (per jurisdiction). Hover any number for the bracket-by-bracket breakdown.

Year 15,500$247,500—$140,134
Year 22,400$120,000—$93,278
Year 32,100$116,550—$92,205

Federal AMT credit

Earned

$85,872

Recovered

$0

Remaining

$85,872

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

Exercise tax cost (regular tax baseline excluded).

Lump-sum

All in Year 1

$133,932

+$36,689

Even split

Equal shares each year

$103,522

+$6,280

Optimized

Tax-aware schedule

$97,243

Cheapest

Estimates only. Excludes disqualifying dispositions, NSOs, multi-state moves, and AMT preferences other than ISO bargain elements. State AMT figures are 2025 (next-year values published in late 2026). Not financial advice.

Toast (TOST) is a public Vertical SaaS company. Toast IPO'd on 2021-09-21. Use this calculator to plan an ISO exercise around the AMT bargain element from the current trading price. The math accounts for federal AMT, state AMT (CA, NY, 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.

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