Leaving Advasa Holdings, Inc.? Plan your 90-day ISO window
Calculator · free · no signup · pre-IPOAdvasa Holdings, Inc. is pre-IPO. Left with vested ISOs? Model the 90-day exercise-or-forfeit decision and its AMT cost at any valuation: current 409A or an expected exit price.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your grant
Seeded from secondary-market data, as of Apr 28, 2026
Tax inputs
Grant timeline
Recommended exercise quantity
Exercise all 10,000
With 10%/yr expected growth over the 3-yr hold, every share's expected after-tax gain exceeds its marginal AMT cost. Net value: $36,654 at horizon.
Net after-tax value vs. shares exercised
Each point is the expected after-tax NPV at your hold horizon if you exercise that many shares now and let the rest expire.
Year-by-year tax breakdown
You pay the higher of Regular tax and Tentative AMT per jurisdiction, then subtract Credit recovered. The result is Net tax. Hover any number for the bracket-by-bracket breakdown.
| 1No AMT | 10,000 | |||
| 2 | 0 | |||
| 3 | 0 |
Federal AMT credit
Earned
$0
Recovered
$0
Remaining
$0
Estimates only. Excludes disqualifying dispositions, NSOs, multi-state moves, and AMT preferences other than ISO bargain elements. Long-term capital gains tax assumes a qualifying disposition (ISO held ≥1 yr from exercise and ≥2 yr from grant); state LTCG follows ordinary brackets except where the state grants preferential treatment (HI, ND, SC, WI, AR, NM) or has a dedicated LTCG-only tax (WA). Assumes you are within the $100K ISO limit (any portion of an annual ISO grant whose FMV at grant exceeds $100K is treated as NSO from the start, §422(d)). State AMT figures are 2025 (next-year values published in late 2026). Not financial advice.
QSBS note. If your shares qualify (typically pre-IPO C-corp grants held 5+ years), a federal rule lets you exclude up to $10M of gain on a future sale from federal tax. That single rule shifts exercise-timing math more than AMT does. (This is §1202 “qualified small-business stock”.) Modeled in beta, not here.
You solved the exercise window. The beta plans what comes after it: the new shares, your remaining equity, hedges, and taxes in one multi-year plan.
Request beta access →About Advasa Holdings, Inc.
Advasa Holdings, Inc. is a privately held Cloud/SaaS company, incorporated in Delaware. S-1 filed Apr 29, 2026.
Last reported secondary-market price: $9.36 per share (as of 2026-04-28). Your own 409A may differ.
Equity grants at Advasa Holdings, Inc. typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
Advasa Holdings, incorporated in 2017 in Tokyo, provides earned wage access software to Japanese employers. Its FUKUPE platform integrates with employer HR and payroll systems to disburse earned wages before payday via bank transfer, mobile wallets, or prepaid cards. Advasa serves 12 enterprise clients in Japan and reported $22 million in revenue for the 12 months ended September 30, 2025. The company filed for a $9 million Nasdaq IPO in April 2026 under the ticker ADBT.
Sources: renaissancecapital.com · stockanalysis.com
Equity comp at Advasa Holdings, Inc.
- Very small Japan-based fintech holding company (2 full-time employees as of the S-1 filing) pursuing a micro-cap Nasdaq IPO under ticker ADBT. The 2025 Stock Incentive Plan permits both options and RSUs, but at this headcount most equity is likely founder/early-employee stock rather than ongoing RSU grants.
Sources: sec.gov
Researched 2026-05-11.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Advasa Holdings, Inc..
If you are leaving Advasa Holdings, Inc. with vested incentive stock options (ISOs), most stock plans give you 90 days from departure to exercise or forfeit them. The calculator works at any valuation: enter your strike and the current 409A fair market value (FMV) or an expected exit price. It computes your window deadline, the alternative minimum tax (AMT) cost of exercising in full, and the partial-exercise share count that maximizes expected after-tax value.
Example: leaving Advasa Holdings, Inc. with 5,000 vested ISOs at a $2.81 strike, with the last reported price at $9.36, exercising all of them inside the 90-day window puts a $32,750 bargain element into one tax year. Above the 2026 federal AMT exemption ($88,100 single, $137,000 married joint), the 28% AMT rate adds roughly $9,170 on top of regular tax before any state AMT (CA, CO, CT, MN). Exercising fewer shares lowers that bill at the cost of forfeiting the rest; the calculator above finds the count that maximizes expected after-tax value for your exact figures.
All Advasa Holdings, Inc. tools → · Use the generic Post-Termination ISO Exercise Calculator for any company.
Advasa Holdings, Inc. equity questions
- I left Advasa Holdings, Inc.. How long do I have to exercise my ISOs?
- Most stock plans give you 90 days from your departure date to exercise vested incentive stock options (ISOs); unexercised options are forfeited when the window closes. Tax law is slightly wider: ISO treatment requires you to have been an employee within 3 months of exercise (Internal Revenue Code Section 422(a)(2)), so options exercised under an employer-extended window are taxed as non-qualified stock options (NSOs). Check your grant agreement for Advasa Holdings, Inc.'s exact terms. The calculator above computes your deadline from your departure date, the alternative minimum tax (AMT) cost of exercising, and the share count that maximizes after-tax value.
- Does Advasa Holdings, Inc. grant ISOs, NSOs, or RSUs?
- Equity compensation at Advasa Holdings, Inc. 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 Advasa Holdings, Inc. 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 Advasa Holdings, Inc. 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 Advasa Holdings, Inc. equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.