Sell Bristol Myers Squibb (BMY) stock to fund a goal
Calculator · free · no signup · BMYNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Bristol Myers Squibb (BMY) shares and net a target amount by a target date, across tax years.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Inputs
Your equity
One stack per ticker (current-employer RSUs, prior-employer holdings, index fund, etc.). Each stack has its own current price, growth assumption, and cost-basis lots.
Drives chance-of-shortfall · default 30%
Lots
Plan
Estimates only. Not financial advice.
Lock-in-now is deterministic (0%). Plans that wait depend on future prices; risk is near-zero when inventory comfortably exceeds the goal. Volatility: each stack's option-implied vol if a ticker is set, otherwise 30%. Lognormal model; real markets have fatter tails.
| Tax | $109,617 | $111,667 | $111,859 | $118,744 |
| Wealth @ target | $718,846 | $716,668 | $714,158 | $711,725 |
| Chance of shortfall | <0.1% | 0% | 1.8% | 3.4% |
Feasible
$400,074 net by 08/01/27
Total tax: $109,617 (federal $58,832, state $36,054, NIIT $14,732)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/20/26 | 4,086 | $351,185 | $360,065 | |
| 03/31/27 | 4 | $360 | $360,428 | |
| 04/30/27 | 32 | $2,894 | $363,341 | |
| 05/31/27 | 100 | $9,099 | $372,482 | |
| 06/30/27 | 100 | $9,152 | $381,655 | |
| 07/31/27 | 100 | $9,208 | $390,864 | |
| 08/01/27 | 100 | $9,210 | $400,074 |
Risk vs wealth
Each dot is a possible plan. Right is riskier, up is more wealth left over.
Trajectory of cash netted
Solid line = expected. Shaded band = 10th–90th percentile under price uncertainty.
After the plan
You keep 3,478 shares worth $411,546 at the projected target-date price, invested for the next decision.
You solved for a cash target. The beta optimizes your full portfolio across multiple goals and market scenarios, not just one funding need.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator · RSU Sell-vs-Hold Calculator
About Bristol Myers Squibb
Bristol Myers Squibb (BMY) is a public Pharma/Biotech company, incorporated in Delaware and headquartered in Princeton, NJ.
Last close: $66.05 per share (as of 2026-08-19).
Equity grants at Bristol Myers Squibb typically include restricted stock units (RSUs).
Bristol-Myers Squibb Company, doing business as Bristol Myers Squibb, is an American multinational pharmaceutical company headquartered in Princeton, New Jersey. The company's primary products are apixaban (Eliquis) for people with atrial fibrillation ; nivolumab (Opdivo), used to treat certain types of cancer ; lenalidomide (Revlimid), used to treat multiple myeloma, smoldering myeloma, and myelodysplastic syndromes ; abatacept (Orencia), used to treat autoimmune diseases such as rheumatoid arthritis ; pomalidomide (Pomalyst/Imnovid), an anti-cancer medication used for the treatment of multiple myeloma and AIDS-related Kaposi sarcoma ; ipilimumab (Yervoy), to treat cancer ; and luspatercept (Reblozyl) for the treatment of anemia in beta thalassemia and myelodysplastic syndromes. In 2025, 69% of the company's revenues came from the United States.
Source: Wikipedia (CC BY-SA 4.0)
The modern company came from the 1989 merger of Bristol-Myers and Squibb, and its scale today rests on the 2019 acquisition of Celgene, which added Revlimid and the cell-therapy programs. The defining problem is patent expiry: Revlimid and Eliquis both face erosion, and the pipeline has to replace revenue on a schedule set by the calendar rather than by science. Business development is therefore structural rather than opportunistic. Immunology and oncology remain the therapeutic centers of gravity. Headquarters are in Princeton, New Jersey.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Bristol Myers Squibb.
If you hold vested Bristol Myers Squibb (BMY) shares and need a set amount of cash by a date (a house down payment, tuition, a sabbatical, a business buy-in), the question is which lots to sell and in which tax years to keep the most after tax. This calculator builds the minimum-tax sell schedule across your lots, accounting for federal long-term capital gains, the net investment income tax, and your state.
Example: a 5,000-share BMY position at $66.05 is worth $330,250. Say you need $150,000 of it for a house down payment by next spring. Selling enough shares all in one tax year can push the gain into the higher long-term capital-gains bracket and trigger the 3.8% net investment income tax; spreading the sale across two tax years often nets more. The calculator above finds the minimum-tax sell schedule across your specific lots, basis, goal, and date.
All Bristol Myers Squibb tools → · Use the generic Stock Sale Funding Calculator for any company.
Bristol Myers Squibb equity questions
- How much BMY stock do I sell to fund a goal without overpaying tax?
- It depends on your cost basis, your target amount and date, and how the sale spreads across tax years. Selling vested BMY shares triggers long-term capital-gains tax, plus the 3.8% net investment income tax and state tax above certain income, and bunching a large sale into one year can push the gain into a higher bracket. The calculator above builds the minimum-tax sell schedule across your lots to net your target amount by your date.
- Does Bristol Myers Squibb grant ISOs, NSOs, or RSUs?
- Equity compensation at Bristol Myers Squibb typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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