Firstbase â—†
All-in-one platform to incorporate, manage compliance, and handle equity for US startups — from a $399 one-time formation fee.
from $399 one-time
About Secfi
Secfi is a financial planning and equity management platform built specifically for tech professionals with stock options, RSUs, or ESPPs. It solves the problem of understanding and acting on equity compensation — from calculating tax implications (including AMT) to financing option exercises and planning for liquidity events like IPOs or acquisitions.
Who it is for
Secfi is designed for startup employees, early-stage hires, and anyone holding private company shares who wants to make informed decisions about their equity. It is not intended for investors without equity grants or for companies seeking enterprise equity administration.
Key capabilities
Users can connect equity accounts or manually enter grant details to model exercise costs, tax bills, and potential sale outcomes under different valuation scenarios. Secfi also offers financing to cover exercise costs and connects users with a network of tax advisors and CPAs. For those with pre-IPO shares, liquidity products like secondary sales and non-recourse financing are available.
Use case example
An early employee at a pre-IPO startup with multiple ISO grants can model AMT exposure, compare scenarios at different exit valuations, apply for an exercise loan, and get connected with a CPA — all within the same platform.
Key features
- Equity dashboard — View all grants in one place with vesting schedules
- Tax modeling — Estimate AMT, capital gains, and ordinary income
- Exercise financing — Loans to cover strike prices and taxes
- Scenario planner — Compare outcomes at different company valuations
- Advisor network — Connect with CPAs and tax specialists
- Liquidity solutions — Secondary sale and non-recourse financing for pre-IPO shares
- Wealth management — Personalized financial planning and investment management
Secfi Pricing
Secfi pricing: Free · from $0/mo. Billing model: Freemium.
Free tier
$0/mo — includes equity dashboard, tax modeling (AMT calculator), scenario planner, and access to educational content.
Liquidity & financing
Variable pricing — fees are product-specific. Non-recourse financing and secondary sale products are available; exact terms depend on the equity type, amount, and valuation.
Wealth management
Fee-based financial planning and investment management. Pricing is personalized; no minimum investment required to start.
No free trial mentioned; free tools are available without upfront payment.
Frequently asked questions
Is Secfi free to use?
Yes, Secfi offers a free tier that includes the equity dashboard, tax modeling, and scenario planner. Some products like liquidity financing and wealth management have separate fees.
How much does Secfi cost?
Secfi's basic tools are free. Pricing for liquidity products (e.g., non-recourse financing) and wealth management varies by the specific service and equity amount. There is no fixed monthly fee for the core equity planning features.
Who is Secfi best for?
Secfi is best for startup employees with stock options, especially those at pre-IPO companies who need help modeling taxes (including AMT), exercising options, and planning for a liquidity event. It is also suitable for early-stage hires managing multiple grants.
What are the top alternatives to Secfi?
Top alternatives include ESO Fund, EquityBee, and Shareworks. Each offers different approaches to stock option financing and equity management. Secfi distinguishes itself with free tax modeling tools and a broader focus on financial planning.
Does Secfi offer financing to exercise stock options?
Yes, Secfi provides non-recourse financing and other liquidity products to help employees cover strike prices and taxes when exercising options, without requiring upfront cash.
What is the main limitation of Secfi?
Secfi's free tools are limited to modeling and planning; to access actual financing or wealth management services, users must engage with paid products. Also, the platform is focused on individual equity holders, not companies managing employee plans.
