BILL Holdings (BILL) NSO Exercise Calculator
Calculator · free · no signup · BILLPlan your BILL Holdings NSO exercise (federal, state, FICA) and compare sell-vs-hold for long-term capital gains.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your grant
Tax inputs
Hold strategy
Best after-tax payout — at year 1
$199,080
Sell + invest wins by $20,783 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% | $18,573 |
| LTCG on diversified gain (fed + state + NIIT) | −$5,219 |
| Net at year 1 | $199,080 |
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 | $178,297 |
Sold 2,678 shares at exercise to cover strike + tax; 2,322 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 →About BILL Holdings
BILL Holdings (BILL) is a public Fintech company, headquartered in San Jose, CA. IPO'd Dec 12, 2019.
Last close: $32.47 per share (as of 2026-06-18).
Equity grants at BILL Holdings typically include non-qualified stock options (NSOs) and restricted stock units (RSUs).
BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States. A white-labeled, end-to-end payments automation platform, Bill.com Connect is offered to financial institutions as part of their single sign-on online business banking ecosystem.
Source: Wikipedia (CC BY-SA 4.0)
René Lacerte, whose grandfather founded Lacerte Software (later acquired by Intuit), started BILL in April 2006 in San Jose to automate accounts payable and receivable workflows for the small and mid-size businesses he had watched struggle with paper checks and manual approvals. The platform integrates with accounting software to digitize invoice ingestion, approval routing, and payment execution across ACH, check, card, and international wire, processing more than $300 billion in payment volume annually. BILL IPO'd on NYSE in December 2019 and reported $1.27 billion in revenue in fiscal year 2024.
Sources: en.wikipedia.org · fintechleaders.substack.com
Equity comp at BILL Holdings
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by BILL Holdings.
Use this calculator to estimate your BILL Holdings (BILL) 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.
Example: at BILL Holdings (BILL)'s last close of $32.47, exercising 5,000 NSOs with a $9.74 strike creates a $113,650 bargain element, taxed as ordinary income on the day you exercise. Combined federal + state + FICA on that bargain typically lands between $30,685 and $51,142 depending on your bracket and state. The calculator above computes the exact figure for your situation and compares selling now vs. holding through the long-term capital-gains threshold.
All BILL Holdings tools → · Use the generic NSO Exercise Calculator for any company.
BILL Holdings equity questions
- How is a BILL Holdings 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 BILL Holdings grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does BILL Holdings grant ISOs, NSOs, or RSUs?
- Equity compensation at BILL Holdings typically takes the form of non-qualified stock options (NSOs) and restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do BILL Holdings RSUs use double-trigger vesting?
- No. BILL Holdings restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
One piece of the puzzle.
OptionsAhoy plans your BILL Holdings equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.