Typical comp shape
Fullstack engineers usually earn isos or rsu. Common employers include Notion, Linear, Ramp. Fullstack hires at Series B-D startups typically hold ISOs where early exercise plus 83(b) unlocks QSBS eligibility.
What Montana changes
In Montana, every RSU vest, NSO exercise, and ESPP purchase carries 5.9% state tax on top of federal. For a senior fullstack engineer with $300k+ of equity income, the state layer routinely adds $25-45k to the annual bill.
Planning cadence
For a fullstack engineer in Montana, the three planning windows are: after each RSU vest (withholding check and sell-vs-hold), before any ISO exercise (AMT model at federal only), and in Q4 (estimated tax top-up to clear the safe harbor).