PRISM Equity

    Model the tax impact of equity compensation before you act.

    PRISM models RSUs, ISOs, NSOs, ESPP, vesting, exercise, sale timing, withholding gaps, AMT exposure, and holding-period effects against your current-year tax projection.

    Decision Preview shows the modeled position. Decision Record preserves it. PRISM is non-advisory by design.

    Statutory anchors: ISO §422 · RSU §83 · NSO §83 · ESPP §423 · AMT §55, §56

    Life events that route here

    The equity decision is forming whether or not anyone is modeling it.

    — Equity vested

    — Options exercised

    — RSUs sold

    — AMT exposure appeared

    — Withholding gap appeared

    — A qualifying-window date is approaching


    Position in the PRISM system

    Equity reads against your current-year tax projection.

    The equity tax model adds equity-specific effects to the projected tax year — ordinary income, AMT exposure, capital character, withholding gap, holding period, and federal/state interaction — so the equity decision is modeled inside the actual projected position, not in isolation.


    What PRISM models here

    The equity decision, at the level of the actual drivers.

    Ordinary income
    RSU vest, NSO spread, ESPP disqualifying disposition
    Stacked into the projected federal and state position at the marginal level.
    AMT exposure
    ISO exercise spread, AMT income, AMT credit
    Modeled under §55 / §56 against the projected regular liability.
    Capital character
    Short-term vs long-term, qualifying vs disqualifying
    Holding period and §422 qualifying window tracked per lot.
    Withholding gap
    Supplemental withholding vs projected liability
    Surfaces the safe-harbor gap an equity event opens against the year.
    Holding period
    Lot-level dates and qualifying thresholds
    Visible drivers, not collapsed into a single number.
    State / federal impact
    State sourcing, NIIT, additional Medicare
    Incremental stacking against the no-action baseline.

    What gets preserved

    The Decision Record turns the equity preview into something you own.

    — Modeled inputs and assumptions

    — Selected scenario

    — PRISM Core output

    — Modeled consequences and confidence

    — Statute references (§422, §83, §423, §55, §56)

    — Uncertainty drivers

    — Provenance timestamp

    — Staleness triggers

    The record preserves what was modeled, what changed, what facts drove the position, and what could make it stale. It does not prescribe action.


    From preview to record

    A Decision Record is a durable record you own.

    A Decision Preview is transient. PRISM Pro preserves planning so it stays owned, versioned, and re-runnable as your inputs change.

    Free Explorer
    Free
    See where the math lands.
    • — Directional ISO / RSU / NSO / ESPP
    • — AMT exposure preview
    • — No account required
    PRISM ProBuild and preserve
    Preserve in PRISM Pro
    Build planning that lasts.
    • — Save, reopen, and rerun your scenarios
    • — Side-by-side scenario comparison
    • — Decision Record editing and history
    • — Multi-year planning and exports


    The equity window closes faster than the year does.

    PRISM models the tax impact before the lot, the strike, or the qualifying window settles the question for you.

    PRISM does not provide tax advice, file returns, represent taxpayers, or author responses. What PRISM is and is not →

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