Model the tender. See the AMT. Understand the QSBS clock. A Monte Carlo over your grant — not a generic retirement projector.
Every line of Foregrant exists because a tax law, a liquidity pattern, and a tooling gap all moved in the last 18 months. We're not betting on a trend. We're catching up to one that already happened.
The OBBB Act (signed July 2025) raised the per-issuer QSBS exclusion to $15M and shortened the holding-period ramp — 50% at 3 years, 75% at 4, 100% at 5. Every founder hired before the change has a different optimal sell schedule than they did 12 months ago. Most don't know it.
Stripe, Databricks, OpenAI, Anthropic, SpaceX — the largest private companies now run structured secondaries every 12–24 months. The decision isn't binary anymore; it's "what fraction, at what price, with what AMT footprint." Spreadsheets weren't built for that.
A general-purpose LLM will cite a repealed regulation, miss the AMT crossover by $40K, or confuse ISO with NSO treatment — and present it with the same fluency. Founders are using it anyway, because the alternative is a $400 CPA call. We built the thing they're reaching for, with the math actually wired up.
No onboarding wizard. No "set up your financial profile." Paste, model, read.
CSV from Carta, a screenshot of your grant letter, or just type it. ISOs, NSOs, RSUs, double-trigger, performance grants — all parsed.
Monte Carlo over your strike, vesting schedule, and assumed exit distribution. Tax engine wired through AMT, QSBS, NIIT, state.
A plain-English decision card. Specific quantity, specific date, specific tax footprint. Citations to the math, not vibes.
Every feature is a thing a tech worker has paid a CPA to figure out. Now it's an input field.
Every grant, every refresh, every double-trigger — vesting in real time against today's 409A or last-round mark.
Watch the AMT line creep up as you exercise. The model tells you the exact share count where the crossover hits.
OBBBA-aware. Tracks pre-July-2025 and post-July-2025 stock under separate clocks and exclusion caps. Stacks correctly.
Sell 0%, 25%, 50%, 100% — see post-tax dollars, retained upside, and AMT footprint side-by-side. Save the result.
Every quarterly vest gets a single email: here's your withholding gap, here's what you'll owe in April. No spam.
Drop in a competing offer. Foregrant runs the same Monte Carlo on both and gives you a TC distribution, not a single point.
Most equity decisions happen in clusters — a tender, an IPO, a refresh grant. Buy what fits your timeline.
No marketing-friendly softballs. The real objections, answered.
I'm one person. Solo developer, no team, no investor pressure to pivot to enterprise. Not a financial advisor — I'm a software engineer who got tired of watching friends paste tender offers into Blind asking strangers if they should sell.
ProjectionLab — the best general-purpose financial planner I know — punted on RSU vesting for four years because the edge cases compound. Compound (the company) tried this same problem with $37M in funding and pivoted to becoming a registered investment advisor instead. Both moves are rational. Neither leaves a tool behind for the engineer at a Series C company who just wants to know whether to sell into the tender.
So Foregrant is software-only. Hard regulatory guardrails, no specific securities advice, no holding your money. A calculator and a visualizer with the math actually wired up — AMT crossover, QSBS clocks, multi-grant vesting, the works. GPT layered on top to explain the result in plain English.
The first 100 lifetime users get $499 forever. After that it goes to $999. I'm not running a fake-scarcity countdown — / 100 have been claimed so far. When the number hits 100 the price changes and stays changed.
If this resonates, the waitlist is at the top of this page. If you have an objection I haven't addressed, my email is below. I read every one.
— building Foregrant