ChimeISO/NSO
Chime equity calculator: value your options at the latest valuation
Calculate the current value of your Chime equity using secondary market data and four independent valuation methods. Free, no account required.
Chime — current market snapshot
Last primary round
$25B
Series G · 2021-08
Secondary market
—
No recent verified signal
Annual revenue (ARR)
$1.7B
+20% YoY
Equity type
ISO/NSO
Strike: $40–$62
Key things to know
- →Chime is the largest US neobank by account holders.
- →IPO has been anticipated for multiple years — it remains the most-discussed liquidity event in US fintech.
- →Secondary market implied valuation tracks the latest closed round.
- →Typical strike price range varies significantly by grant year and the down-round cycle.
Open the calculator
Enter your actual shares, equity type, and strike price. PrivatePulse uses secondary market data and four independent valuation methods to give you a defensible range.
Calculate my Chime equity →Free · No account required · Takes 2 minutes
Liquidity outlook for Chime
IPO plausible 2027–2029 if growth trajectory holds. Secondary trades at a discount vs last round — exercise timing requires caution. Liquidity may come via tender offer or strategic acquisition before listing.
As an option holder, you'll need to exercise your ISO/NSO to own shares. Strike price, exercise cost, and tax treatment (ISO vs NSO) all matter. Model carefully with a CPA.
Frequently asked questions
What is my Chime equity worth right now?↓
Chime's IPO (2025) valued the company at $12B. Secondary market data (Hiive, Forge, Caplight) gives a live read on implied valuation — PrivatePulse tracks this and updates every week. Gross value per option = (secondary share price − your strike price). Multiply by your vested count, then subtract taxes. The PrivatePulse calculator handles all of this automatically.
When will Chime go public or offer liquidity?↓
Chime is at $11.6B — still in an early-to-mid growth stage. An IPO is likely 4–6 years away at minimum. Liquidity before then typically requires a tender offer or secondary sale approved by the company.
What is the Chime strike price for employee options?↓
Strike prices at Chime vary by grant year and cohort. Recent grants typically carry strikes in the $2–$62 range per share. Your grant agreement shows your exact 409A strike. With Chime now implying ~$12B, the intrinsic value per option is (current secondary price per share − your strike); enter your numbers in the PrivatePulse calculator to see the full picture including AMT and vesting schedule.
What's the difference between Chime ISOs and NSOs?↓
Chime typically grants a mix of Incentive Stock Options (ISOs) and Non-Qualified Stock Options (NSOs). ISOs: exercised spread is not taxed as income — instead it creates an AMT preference item. Long-term capital gains treatment is available if you hold shares 2 years from grant and 1 year from exercise. NSOs: exercised spread is ordinary income immediately — simpler but less tax-efficient. Both types require payment of the strike price to exercise. Use the PrivatePulse calculator to model the after-tax outcome under ISO vs NSO treatment at the current $12B implied valuation.