Leaving Stripe? Plan your 90-day ISO window
Calculator · free · no signup · pre-IPOStripe 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 Jun 11, 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: $246,349 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
$196,282
Recovered
$29,764
Remaining
$166,518
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 Stripe
Stripe is a privately held Fintech company, incorporated in Delaware and headquartered in South San Francisco, CA.
Last reported secondary-market price: $72.01 per share (as of 2026-06-11). Your own 409A may differ.
$95B; RSU-heavy comp.
Equity grants at Stripe typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Stripe, Inc. is an Irish and American multinational financial services and software as a service (SaaS) company dual-headquartered in South San Francisco, California, United States, and Dublin, Ireland. The company primarily offers payment-processing software and application programming interfaces for e-commerce websites and mobile applications.
Source: Wikipedia (CC BY-SA 4.0)
Brothers Patrick and John Collison founded Stripe in 2010 to solve a problem they had encountered themselves: accepting payments online required weeks of bank integrations and bespoke code. Stripe replaced that with a few lines of API. Today the company processes hundreds of billions of dollars in annual payments volume for millions of businesses worldwide. Its most recent primary funding round closed at $694 million in April 2024; by February 2026 an employee tender offer set its valuation at $159 billion.
Sources: en.wikipedia.org · techcrunch.com
Equity comp at Stripe
- Starting in 2022, Stripe stopped granting ISOs to new hires and switched to RSUs (restricted stock units, where you receive shares directly when they vest, taxed as ordinary income at vest). If you joined Stripe before 2022 and hold ISOs, your grant is fixed: you will not get more ISOs going forward. The AMT + ISO calculator on this page is most useful for planning when to exercise those existing grants. New hires after 2022 should use the RSU sell-vs-hold calculator instead, since they receive no ISOs.
- RSUs use double-trigger vesting. Two things must both happen before the shares are yours: (1) the normal time-based vesting completes, and (2) the company has a liquidity event (an IPO or an acquisition). Until both happen, you do not yet own the shares and you do not owe tax on them.
Sources: bloomberg.com · theinformation.com
Researched 2026-05-06.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Stripe.
If you are leaving Stripe 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 Stripe with 5,000 vested ISOs at a $21.6 strike, with the last reported price at $72.01, exercising all of them inside the 90-day window puts a $252,050 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 $70,574 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 Stripe tools → · Use the generic Post-Termination ISO Exercise Calculator for any company.
Stripe equity questions
- I left Stripe. 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 Stripe'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 Stripe grant ISOs, NSOs, or RSUs?
- Equity compensation at Stripe 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 Stripe RSUs use double-trigger vesting?
- Yes. Stripe restricted stock units (RSUs) vest only when two things both happen: the time-based schedule completes, and the company has a liquidity event such as an initial public offering (IPO) or an acquisition. Until both occur you do not own the shares and owe no tax on them.
- Are Stripe 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 Stripe 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 Stripe equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.