Leaving Fast Finance Pay Corp.? Plan your 90-day ISO window
Calculator · free · no signup · pre-IPOFast Finance Pay Corp. 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.
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Your grant
Seeded from secondary-market data, as of Nov 8, 2026
Tax inputs
Schedule A, line 7. The 2026 deduction is capped at $40,400, less above $505,000 of income.
Grant timeline
Recommended exercise quantity
Skip the exercise
At 10%/yr expected growth, the AMT premium outweighs the after-tax gain on every share. Letting the window close avoids the AMT bill.
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.
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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 →Related calculators: Multi-Year ISO Exercise Schedule Calculator · Stock Concentration Calculator
About Fast Finance Pay Corp.
Fast Finance Pay Corp. is a privately held Fintech company, incorporated in Nevada and headquartered in New York, NY. S-1 filed Sep 21, 2026.
Last reported secondary-market price: $4 per share (as of 2026-11-08). Your own 409A may differ.
Equity grants at Fast Finance Pay Corp. typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
Fast Finance Pay Corp. took its current form in 2021, when Andreas Garke's German fintech business, FF24 Merchant Services and FF24 Ventures, merged into a public shell company, Standard Vape Corp., with Garke becoming chairman and later president and CEO. Garke had earlier co-founded Berlin-based Fast Finance24 Holding AG, listed on Germany's Xetra exchange. The company processes merchant payments, consumer e-banking, and cross-currency transfers, and runs OK.de, an ad-supported webmail and messaging portal it is expanding into a payments product, OK.pay. On September 21, 2026, it filed a Form S-1 with the SEC, seeking a Nasdaq listing under ticker FFPP.
Sources: sec.gov · marketscreener.com · nasdaq.com · sg.finance.yahoo.com
Equity comp at Fast Finance Pay Corp.
- Fast Finance Pay Corp.'s S-1 (filed 2026-09-21, CIK 0002109616) and its subsequent S-1/A disclose that the company currently has no equity compensation plan: no stock option plan, no RSU (restricted stock unit, a promise of company shares that vests over time) plan, and no other equity award program for employees or executives. Because no such plan exists, there is no vesting schedule, change-of-control double-trigger acceleration provision, or early-exercise right to report; none of these mechanisms currently apply to anyone at the company.
Researched 2026-10-21.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Fast Finance Pay Corp..
If you are leaving Fast Finance Pay Corp. 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 Fast Finance Pay Corp. with 5,000 vested ISOs at a $1.2 strike, with the last reported price at $4, exercising all of them inside the 90-day window puts a $14,000 bargain element into one tax year. For a single filer with $200,000 of taxable income, that stays under the federal AMT crossover, so no federal AMT is due under 2026 rules (state AMT in CA, CO, CT, MN can still apply); the calculator above finds the count that maximizes expected after-tax value for your exact figures.
All Fast Finance Pay Corp. tools → · Use the generic Post-Termination ISO Exercise Calculator for any company.
Fast Finance Pay Corp. equity questions
- I left Fast Finance Pay Corp.. 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 Fast Finance Pay Corp.'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 Fast Finance Pay Corp. grant ISOs, NSOs, or RSUs?
- Equity compensation at Fast Finance Pay Corp. 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 Fast Finance Pay Corp. 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 Fast Finance Pay Corp. 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 Fast Finance Pay Corp. equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.