Plan your Qumulus AI NSO exercise
Calculator · free · no signup · pre-IPOQumulus AI is pre-IPO. Plan your NSO exercise tax (federal, state, FICA) at any expected valuation.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your grant
Seeded from secondary-market data, as of Jun 19, 2026
Tax inputs
Hold strategy
Best after-tax payout — at year 1
$98,403
Hold 1 yr wins by $58,843 over Sell + invest.
Estimates only. Not financial advice.
Sell + invest
| Bargain element (sale − strike) | $65,750 |
| Federal | |
| State | |
| Medicare | −$953 |
| Additional Medicare | −$592 |
| Market gain over 1 yr at 10.0% | $3,691 |
| LTCG on diversified gain (fed + state + NIIT) | −$1,037 |
| Net at year 1 | $39,560 |
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
Best payout| Sale proceeds (year 1) | |
| LTCG tax (federal + state + NIIT) | −$24,034 |
| Net at year 1 | $98,403 |
Sold 3,406 shares at exercise to cover strike + tax; 1,594 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 Qumulus AI
Qumulus AI is a privately held Cloud/SaaS company, incorporated in Georgia and headquartered in Marietta, GA. S-1 filed May 1, 2026.
Last reported secondary-market price: $23.15 per share (as of 2026-06-19). Your own 409A may differ.
Equity grants at Qumulus AI typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
QumulusAI, founded in 2019 and headquartered in Marietta, Georgia, operates GPU-powered cloud infrastructure for AI and machine learning workloads, targeting small and mid-market teams underserved by hyperscale providers. The company owns and operates data centers in Georgia and Missouri and manages 60 MW of grid power in Oklahoma. In October 2025 QumulusAI secured a $500 million blockchain-backed nonrecourse financing facility through the USD.AI Protocol. The company filed for a direct listing on Nasdaq under the ticker QMLS in 2026.
Sources: renaissancecapital.com · siliconangle.com
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Qumulus AI.
Qumulus AI NSO exercise creates ordinary income on the bargain element (federal, state, and FICA) at the price on the day you exercise. The calculator works at any valuation, so you can model your exercise cost at the current 409A FMV, an expected IPO price, or post-IPO scenarios.
Example: at Qumulus AI's last reported price of $23.15, exercising 5,000 NSOs with a $6.95 strike creates a $81,000 bargain element, taxed as ordinary income on the day you exercise. Combined federal + state + FICA on that bargain typically lands between $21,870 and $36,450 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 Qumulus AI tools → · Use the generic NSO Exercise Calculator for any company.
Qumulus AI equity questions
- How is a Qumulus AI 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 Qumulus AI grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does Qumulus AI grant ISOs, NSOs, or RSUs?
- Equity compensation at Qumulus AI 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.
- Are Qumulus AI shares eligible for QSBS?
- They might be. Qualified small business stock (QSBS) under Internal Revenue Code Section 1202 can exclude federal tax on much of the gain when shares were acquired at original issuance from a C-corporation while its gross assets were under $50 million, and held at least five years. Whether your Qumulus AI shares qualify turns on when you acquired them and the company's asset size at that time.
One piece of the puzzle.
OptionsAhoy plans your Qumulus AI equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.