SoFi Technologies (SOFI) NSO Exercise Calculator
Calculator · free · no signup · SOFIPlan your SoFi Technologies 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 SoFi Technologies
SoFi Technologies (SOFI) is a public Fintech company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Jun 1, 2021.
Last close: $17.71 per share (as of 2026-06-17).
Equity grants at SoFi Technologies typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
SoFi Technologies, Inc. is an American financial technology company operating as a branchless bank. As of 2026, SoFi is the largest U.S.-based online lender, with nearly 15 million customers.
Source: Wikipedia (CC BY-SA 4.0)
In January 2022, SoFi became the first full-service fintech startup to receive a U.S. national bank charter, allowing it to hold loans on its own balance sheet and take FDIC-insured deposits without relying on bank partners. Founded in 2011 by four Stanford GSB alumni (Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady) as a student loan refinancing platform, the company expanded into mortgages, personal loans, checking and savings accounts, and stock and crypto trading. Anthony Noto became CEO in 2018 and drove the bank charter strategy. SoFi went public via SPAC as SOFI in June 2021 and reported $2.67 billion in revenue in 2024.
Sources: en.wikipedia.org · investors.sofi.com
Equity comp at SoFi Technologies
- 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 SoFi Technologies.
Use this calculator to estimate your SoFi Technologies (SOFI) 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 SoFi Technologies (SOFI)'s last close of $17.71, exercising 5,000 NSOs with a $5.31 strike creates a $62,000 bargain element, taxed as ordinary income on the day you exercise. Combined federal + state + FICA on that bargain typically lands between $16,740 and $27,900 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 SoFi Technologies tools → · Use the generic NSO Exercise Calculator for any company.
SoFi Technologies equity questions
- How is a SoFi Technologies 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 SoFi Technologies grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does SoFi Technologies grant ISOs, NSOs, or RSUs?
- Equity compensation at SoFi Technologies 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.
- Do SoFi Technologies RSUs use double-trigger vesting?
- No. SoFi Technologies 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 SoFi Technologies equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.