Advasa Holdings, Inc. (ADBT) NSO Exercise Calculator
Calculator · free · no signup · ADBTPlan your Advasa Holdings, Inc. NSO exercise (federal, state, FICA) and compare sell-vs-hold for long-term capital gains.
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Your grant
Tax inputs
Hold strategy
Best after-tax payout — at year 1
$198,990
Sell + invest wins by $20,773 over Hold 1 yr.
Estimates only. Not financial advice.
Sell + invest
Best payout| Bargain element (sale − strike) | $350,000 |
| Federal | |
| State | |
| Medicare | −$5,075 |
| Additional Medicare | −$3,150 |
| Market gain over 1 yr at 10.0% | $18,564 |
| LTCG on diversified gain (fed + state + NIIT) | −$5,217 |
| Net at year 1 | $198,990 |
Sell every share immediately; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Exercise + hold 1 yr
| Sale proceeds (year 1) | |
| LTCG tax (federal + state + NIIT) | $0 |
| Net at year 1 | $178,216 |
Sold 2,679 shares at exercise to cover strike + tax; 2,321 shares held 1 yr for LTCG.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're exercising as a current employee.
Both columns are stated in year-1 dollars: sell-now proceeds compound at the market return and pay LTCG on the gain at year 1; any cash paid out of pocket on the hold side carries the same opportunity cost.
Net at year N — by hold period
Estimates only. Excludes AMT (NSOs do not trigger AMT), state-AMT, multi-state moves, and disqualifying-disposition edge cases. Not financial advice.
You calculated one NSO decision. The beta plans NSOs alongside RSUs and ISOs in a single multi-year tax plan.
Request beta access →Related calculators: Stock Concentration Calculator · Multi-Year ISO Exercise Schedule Calculator
About Advasa Holdings, Inc.
Advasa Holdings, Inc. (ADBT) is a public Fintech company, incorporated in Delaware. IPO'd Aug 25, 2026.
Nasdaq direct listing Aug 2026; Japan earned-wage-access fintech; too new for Polygon options-chain coverage (ETL 2026-10-25, 5/7-day miss).
Equity grants at Advasa Holdings, Inc. typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
Asamitsu Kosugi founded ADVASA Co., Ltd. in Tokyo, and Advasa Holdings, Inc. was incorporated in Delaware in February 2025 as its parent, headquartered in Tokyo. ADVASA operates FUKUPE, an earned wage access (EWA) platform that lets employees draw down wages they have already worked for before the regular payday, linked directly to employer payroll and timekeeping systems. On August 25, 2026, Advasa Holdings completed a direct listing (a market debut with no underwriters or set offer price) on the Nasdaq Global Market under ticker ADBT, after reporting quarterly revenue of $6.90 million, up 23.3% year over year.
Sources: sec.gov · renaissancecapital.com · technode.global
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 estimate your Advasa Holdings, Inc. (ADBT) NSO exercise tax (federal, state, FICA), then compare selling now versus holding through the long-term capital gains threshold. Inputs are yours: grant terms, current price, your income, your state.
All Advasa Holdings, Inc. tools → · Use the generic NSO Exercise Calculator for any company.
Advasa Holdings, Inc. equity questions
- How is a Advasa Holdings, Inc. NSO exercise taxed?
- Exercising a non-qualified stock option (NSO) creates ordinary income on the bargain element (the price on the day you exercise minus your strike), subject to federal income tax, state income tax, and FICA. The calculator above computes that tax for your Advasa Holdings, Inc. grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- 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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OptionsAhoy plans your Advasa Holdings, Inc. equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.