Advasa Holdings, Inc. (ADBT) Post-Termination ISO Calculator
Calculator · free · no signup · ADBTLeft Advasa Holdings, Inc. with vested ISOs? Most plans give you 90 days to exercise or forfeit. See your deadline, the AMT cost of exercising, and the share count that maximizes after-tax value.
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Your grant
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: $171,946 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.
| 1 | 10,000 | |||
| 2 | 0 | |||
| 3 | 0 |
Federal AMT credit
Earned
$134,654
Recovered
$29,764
Remaining
$104,890
The AMT credit only recovers in years where regular tax exceeds AMT — typically a year with no ISO exercise. It carries forward indefinitely (Form 8801) and applies in any future tax year where regular tax exceeds AMT.
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 →Related calculators: Multi-Year ISO Exercise Schedule Calculator · Stock Concentration Calculator
About Advasa Holdings, Inc.
Advasa Holdings, Inc. (ADBT) is a public Fintech company, incorporated in Delaware. IPO'd Aug 25, 2026.
Last close: $0.33 per share (as of 2026-09-08).
Nasdaq direct listing Aug 2026; Japan earned-wage-access fintech.
Equity grants at Advasa Holdings, Inc. typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
Asamitsu Kosugi founded Advasa's Japanese operating subsidiary, ADVASA Co., Ltd., in Tokyo in 2017. The company built FUKUPE, an earned wage access platform that lets employees draw against wages they have already earned, ahead of the scheduled payday, integrated into employers' HR and payroll systems. Advasa Holdings, Inc., the Delaware parent formed in 2025, reported $22 million in revenue for the 12 months ended September 30, 2025, across 12 corporate clients. On August 25, 2026, it completed a direct listing on the Nasdaq Global Market under ticker ADBT, following a $16 million private placement priced at $10 per share.
Sources: sec.gov · businesswire.com · globenewswire.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 have left Advasa Holdings, Inc. (ADBT) with vested incentive stock options (ISOs), most stock plans give you 90 days from your departure date to exercise or forfeit them. Exercising everything at once concentrates the AMT bargain element into a single tax year. This calculator computes your window deadline from your departure date, the alternative minimum tax (AMT) cost of a full exercise at the current trading price, and the partial-exercise share count that maximizes expected after-tax value.
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.
- When did the Advasa Holdings, Inc. IPO lockup expire?
- Advasa Holdings, Inc. (ADBT) went public on August 25, 2026. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around February 21, 2027. Confirm against your own grant paperwork, since some lockups release early or in stages.
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OptionsAhoy plans your Advasa Holdings, Inc. equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.