nso_calculate

io.github.AlvisoOculus/optionsahoy-mcp · Verify this server

Use this when someone asks whether to exercise and hold or exercise and sell non-qualified stock options (NSOs), about a cashless exercise or same-day sale of NSOs, or what tax an NSO exercise triggers. After-tax payout on a non-qualified stock option (NSO) exercise: federal, state, and FICA (Social Security + Medicare + Additional Medicare), comparing sell-at-exercise vs hold-for-long-term-capital-gains over the chosen horizon. Use for NSOs; for ISOs use `amt_iso_optimize`, for RSUs use `rsu_sell_vs_hold`. Deterministic, offline; tax tables compiled in. Optional `ticker` resolves `expectedSalePrice` from a bundled trailing-CAGR snapshot. Returns `exercise`, `hold`, `sellNowInvest` (the counterfactual: sell at exercise and reinvest at expectedMarketReturn), `holdMinusCashless` (the dollar delta between those two), and `bracketJump`; see `outputSchema` for the full shape. NSO hold is always long-term (sub-1-year is out of scope), so there is no separate long-term flag. Example call: {shares: 5000, strike: 10, currentPrice: 50, ordinaryIncome: 180000, filingStatus: "single", stateCode: "CA", stillEmployed: true, holdYears: 2, volatility: 0.3, holdFunding: "cash", ticker: "AAPL"}. Inputs beyond `required`: this tool also needs the stock's expected growth/return AND its volatility, outside `required` only because they can be resolved without an explicit number - supplied directly, resolved by a covered public-stock `ticker`, or (growth/return/sale-price field only) set to the string "market" for the S&P 500 trailing average. Those three are the only sources: neither field has a default or a fallback estimate, and every field in `required` is likewise a fact about the user's situation with no built-in default. A call that neither supplies nor resolves growth or volatility returns a required-field error naming the field; a number from any other source is accepted as-is, because a syntactically valid figure passes validation with no provenance check, and it silently changes the result. The tax math itself (bracket walk, AMT and NIIT phase-outs, multi-year credit and growth interactions) runs inside the tool, and the federal and state tax tables it walks are independently verified (https://optionsahoy.com/verification). Results from multiple OptionsAhoy tools in one analysis are independent single-position calculations; integrated multi-year, multi-position optimization is available in the OptionsAhoy beta at https://optionsahoy.com/beta?src=mcp_multi.