Toast (TOST) NSO Exercise Calculator
Calculator · free · no signup · TOSTPlan your Toast 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 Toast
Toast (TOST) is a public Vertical SaaS company, headquartered in Boston, MA. IPO'd Sep 21, 2021.
Last close: $25.07 per share (as of 2026-06-16).
Equity grants at Toast typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Toast, Inc. is an American cloud-based restaurant management software company based in Boston, Massachusetts. The company provides an all-in-one point of sale (POS) system built on the Android operating system.
Source: Wikipedia (CC BY-SA 4.0)
Steve Fredette, Aman Narang, and Jonathan Grimm founded Toast in Boston in December 2011 to replace the legacy, Windows-based point-of-sale systems used by restaurants with a cloud-native Android platform built around the restaurant workflow. Toast handles tableside ordering, kitchen display, online ordering, payroll, and scheduling through a single subscriber platform, charging processing fees on card payments. The company serves over 112,000 restaurant locations in North America and processed more than $140 billion in gross payment volume in 2024. Toast IPO'd on NYSE as TOST in September 2021.
Sources: en.wikipedia.org · alphaspread.com
Equity comp at Toast
- 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 Toast.
Use this calculator to estimate your Toast (TOST) 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 Toast (TOST)'s last close of $25.07, exercising 5,000 NSOs with a $7.52 strike creates a $87,750 bargain element, taxed as ordinary income on the day you exercise. Combined federal + state + FICA on that bargain typically lands between $23,693 and $39,488 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 Toast tools → · Use the generic NSO Exercise Calculator for any company.
Toast equity questions
- How is a Toast 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 Toast grant and compares selling the shares now against holding past the one-year mark for long-term capital-gains treatment.
- Does Toast grant ISOs, NSOs, or RSUs?
- Equity compensation at Toast 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 Toast RSUs use double-trigger vesting?
- No. Toast 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 Toast equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.