ServiceTitan (TTAN) NSO Exercise Calculator
Calculator · free · no signup · TTANPlan your ServiceTitan 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 ServiceTitan
ServiceTitan (TTAN) is a public Vertical SaaS company, incorporated in Delaware and headquartered in Glendale, CA. IPO'd Dec 12, 2024.
Last close: $68.8 per share (as of 2026-06-16).
Equity grants at ServiceTitan typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
ServiceTitan, Inc. is an American cloud-based software company headquartered in Glendale, California. It provides customer relationship management (CRM) software for tradespersons, with applications focused on sales, customer service, marketing automation, e-commerce and analytics.
Source: Wikipedia (CC BY-SA 4.0)
Ara Mahdessian and Vahe Kuzoyan founded ServiceTitan in 2007 after watching their fathers run small home-services businesses on paper and spreadsheets. The platform digitizes scheduling, invoicing, payments, and customer communication for HVAC, plumbing, electrical, and other trade contractors. ServiceTitan raised more than $1.5 billion across 10 private rounds backed by Sequoia, Bessemer, TPG, Iconiq Growth, and Tiger Global, then went public on Nasdaq in December 2024 at a $71 IPO price that opened at $101 for a valuation near $9 billion. The platform served roughly 11,800 trade businesses as of January 2025, with about 8,000 producing more than $10,000 in annualized billings.
Sources: cnbc.com · fortune.com · sec.gov
Equity comp at ServiceTitan
- 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 ServiceTitan.
Use this calculator to estimate your ServiceTitan (TTAN) 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 ServiceTitan (TTAN)'s last close of $68.8, exercising 5,000 NSOs with a $20.64 strike creates a $240,800 bargain element, taxed as ordinary income on the day you exercise. Combined federal + state + FICA on that bargain typically lands between $65,016 and $108,360 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 ServiceTitan tools → · Use the generic NSO Exercise Calculator for any company.
ServiceTitan equity questions
- How is a ServiceTitan 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 ServiceTitan grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does ServiceTitan grant ISOs, NSOs, or RSUs?
- Equity compensation at ServiceTitan 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 ServiceTitan IPO lockup expire?
- ServiceTitan (TTAN) went public on December 12, 2024. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around June 10, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do ServiceTitan RSUs use double-trigger vesting?
- No. ServiceTitan 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 ServiceTitan equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.