eToro (ETOR) NSO Exercise Calculator
Calculator · free · no signup · ETORPlan your eToro 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 eToro
eToro (ETOR) is a public Fintech company, incorporated in D8. IPO'd May 14, 2025.
Last close: $39.02 per share (as of 2026-06-16).
HQ Israel; US-listed.
Equity grants at eToro typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
eToro Group Ltd. is an Israeli multinational company that operates an electronic trading platform and social trading system. The company is organized in the British Virgin Islands and headquartered in Tel Aviv, with a United States headquarters in Hoboken, New Jersey.
Source: Wikipedia (CC BY-SA 4.0)
eToro, founded in 2007 by brothers Yoni and Ronen Assia along with David Ring in Tel Aviv, operates a multi-asset retail brokerage built around copy trading, where users mirror trades from selected investors across stocks, ETFs, and crypto. The company priced its IPO at $52 per share on May 14, 2025, listing on Nasdaq under ticker ETOR at a roughly $4.3 billion valuation. By full-year 2025, eToro reported 3.85 million funded accounts, $18.4 billion in assets under administration, and $216 million in GAAP net income across 75 countries.
Sources: cnbc.com · investors.etoro.com · timesofisrael.com
Equity comp at eToro
- 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 eToro.
Use this calculator to estimate your eToro (ETOR) 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 eToro (ETOR)'s last close of $39.02, exercising 5,000 NSOs with a $11.71 strike creates a $136,550 bargain element, taxed as ordinary income on the day you exercise. Combined federal + state + FICA on that bargain typically lands between $36,869 and $61,448 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 eToro tools → · Use the generic NSO Exercise Calculator for any company.
eToro equity questions
- How is a eToro 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 eToro grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does eToro grant ISOs, NSOs, or RSUs?
- Equity compensation at eToro typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- When did the eToro IPO lockup expire?
- eToro (ETOR) went public on May 14, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around November 10, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do eToro RSUs use double-trigger vesting?
- No. eToro 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 eToro equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.