Full Truck Alliance Co. Ltd. (YMM) NSO Exercise Calculator
Calculator · free · no signup · YMMPlan your Full Truck Alliance Co. Ltd. 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
$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 →Related calculators: Stock Concentration Calculator · Multi-Year ISO Exercise Schedule Calculator
About Full Truck Alliance Co. Ltd.
Full Truck Alliance Co. Ltd. (YMM) is a public Cloud/SaaS company.
Added by ETL (market cap $8.6B).
Equity grants at Full Truck Alliance Co. Ltd. typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Full Truck Alliance Co. Ltd..
Use this calculator to estimate your Full Truck Alliance Co. Ltd. (YMM) 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 Full Truck Alliance Co. Ltd. tools → · Use the generic NSO Exercise Calculator for any company.
Full Truck Alliance Co. Ltd. equity questions
- How is a Full Truck Alliance Co. Ltd. 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 Full Truck Alliance Co. Ltd. grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does Full Truck Alliance Co. Ltd. grant ISOs, NSOs, or RSUs?
- Equity compensation at Full Truck Alliance Co. Ltd. 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.
One piece of the puzzle.
OptionsAhoy plans your Full Truck Alliance Co. Ltd. equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.