2026 Calculator
Stock Option Calculator
Calculate your stock option value
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What is the difference between ISO and NSO stock options?
ISOs (Incentive Stock Options) offer tax advantages - you pay capital gains tax instead of ordinary income tax if you hold for 1+ year after exercise and 2+ years after grant. NSOs (Non-Qualified) are taxed as ordinary income at exercise. Most employees receive NSOs.
How do I calculate my stock option value?
Stock option value = (Current Price - Strike Price) × Number of Options. For example, if you have 1,000 options with a $10 strike price and the stock is at $50, your options are worth (50-10) × 1,000 = $40,000 before taxes.
When should I exercise my stock options?
Consider exercising when: the spread is significant, you can afford the exercise cost, you believe in future growth, or you're leaving the company (typically 90 days to exercise). For ISOs, consider AMT implications. Consult a tax advisor.