Chime (CHYM) Post-Termination ISO Calculator
Calculator · free · no signup · CHYMLeft Chime 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.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
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 →About Chime
Chime (CHYM) is a public Fintech company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Jun 12, 2025.
Last close: $17.25 per share (as of 2026-06-12).
Equity grants at Chime typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Chime Financial, Inc. is an American financial technology company based in San Francisco, California. It provides fee-free mobile banking services through partnerships with two national banks, Stride Bank and The Bancorp Bank. The company offers fee-free checking and savings accounts, debit cards, and other financial products through its mobile application.
Source: Wikipedia (CC BY-SA 4.0)
Chime Financial, founded in 2012 by Chris Britt and Ryan King, built a mobile-first neobank that generates revenue from Visa debit card interchange fees rather than overdraft charges or monthly fees. The platform partners with FDIC-insured banks to offer fee-free checking, a high-yield savings account, SpotMe overdraft protection, and early direct deposit access up to two days before payday. Chime reported $2.19 billion in revenue in 2025, up 31% year-over-year, with 9.5 million active members. It priced its Nasdaq IPO at $27 per share in June 2025, implying an $11.6 billion valuation.
Equity comp at Chime
- 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 Chime.
If you have left Chime (CHYM) 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.
Example: leaving Chime (CHYM) with 5,000 vested ISOs at a $5.18 strike, with the last close at $17.25, exercising all of them inside the 90-day window puts a $60,350 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 $16,898 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 Chime tools → · Use the generic Post-Termination ISO Exercise Calculator for any company.
Chime equity questions
- I left Chime. 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 Chime'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 Chime grant ISOs, NSOs, or RSUs?
- Equity compensation at Chime 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 Chime IPO lockup expire?
- Chime (CHYM) went public on June 12, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around December 9, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do Chime RSUs use double-trigger vesting?
- No. Chime 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.
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