Finally understand your startup equity. Get plain-English explanations of ISOs, NSOs, RSUs, vesting schedules, and AMT. Model the tax impact before you exercise, track your vesting calendar with cliff and expiration alerts, check QSBS eligibility for up to $10M tax-free gains. ## What's included - **Plain-English glossary** — ISO / NSO / RSU / ISO 100K limit / vesting cliff / AMT / 83(b) - **Tax impact modeler** — exercise scenarios with federal + state + AMT math - **Vesting calendar** with cliff + expiration alerts (90 days post-departure = use-it-or-lose-it for ISOs) - **QSBS eligibility checker** — 5-year hold + $10M federal exclusion + state-specific rules (CA doesn't conform) - **Offer letter evaluator** — base + equity + dilution scenarios - **Departure-options playbook** — what happens when you leave (often the worst-timed decision) - **Public offering / acquisition modeling** — IPO / SPAC / acquisition / down round outcomes - **Annual tax-prep document generator** for your CPA ## Limitations - **Not financial advice** — produces modeling; final decisions are with your CPA + advisor - **U.S. tax law focused** — IRS rules; international equity (Canada, UK, EU) needs adaptation - **Doesn't execute trades** — models tax impact; you exercise via your equity admin (Carta / Pulley / Shareworks) - **QSBS guidance reflects current published rules** — tax-law updates monitored - **AMT calculation accuracy** depends on your full tax picture — agent flags AMT triggers but you confirm with CPA ## Best fit Startup employees + founders + advisors with equity-heavy compensation at private companies pre-IPO. Especially valuable for employees considering early exercise (83(b) deadline = 30 days), departures, or IPO-window planning — typical $10K-$200K in tax savings from informed decisions.
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