Plan your equity and household finances together
Your salary pays the bills. Your stock adds decisions about timing, taxes, and how much to keep in one company. Explore both with Nino’s AI software, or add a human CPA and CFP team for a financial and tax plan.
RSU withholding
Compare a compensation estimate with withholding and other household tax assumptions.
Stock options
Explore exercise cost, spread, and potential cash needs using your grant information.
Company exposure
See employer equity beside investments and other household assets.
Life outside the grant
Keep a home purchase, time off, and retirement goals in the same picture.
Decisions to check carefully
These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.
Withholding gaps
Required withholding can differ from final tax. Check the full-year projection and all payments.
Exercise cash
An ISO exercise-and-hold can create AMT before a sale. A valuation does not guarantee cash is available.
Concentration
Your salary and stock can depend on the same company. Test a downside scenario before choosing what to retain.
Federal and state tax filing is included on every Advisor plan, from $3,600 a year.
Guides for tech employees
Read up on these decisions, or run your own numbers.
RSU Tax Withholding and Sell-to-Cover
How employers fund RSU taxes, why withholding can miss your final bill, and how to check the gap before you file.
Read guideHow ESPP Is Taxed
ESPP shares are taxed when you sell, and the holding period decides how much is ordinary income. See the math, Form 3922, and the 1099-B basis fix.
Read guideWhy Are RSUs Taxed So High?
RSUs use ordinary income-tax rates. Learn why total withholding can look high and why it can still fall short of your final bill.
Read guideISO vs. NSO
ISOs can create AMT before a sale; NSOs usually create compensation income at exercise. Compare the cash cost and holding-period tradeoffs.
Read guideRSU Tax Calculator
Compare estimated RSU tax with a simplified federal withholding calculation.
Open calculatorBonus Tax Calculator
Compare the 22% federal withholding on a bonus with the tax it actually adds at your brackets, and what you may owe in April.
Open calculator