Sell Carrier Global (CARR) stock to fund a goal
Calculator · free · no signup · CARRNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Carrier Global (CARR) shares and net a target amount by a target date, across tax years.
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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 | $109,654 | $111,723 | $111,788 | $118,699 |
| Wealth @ target | $718,258 | $716,076 | $713,344 | $710,913 |
| Chance of shortfall | <0.1% | 0% | 1.7% | 3.3% |
Feasible
$400,027 net by 08/01/27
Total tax: $109,654 (federal $58,856, state $36,063, NIIT $14,736)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/26/26 | 4,088 | $351,349 | $360,067 | |
| 03/31/27 | 4 | $359 | $360,430 | |
| 04/30/27 | 32 | $2,891 | $363,340 | |
| 05/31/27 | 100 | $9,088 | $372,468 | |
| 06/30/27 | 100 | $9,141 | $381,631 | |
| 07/31/27 | 100 | $9,196 | $390,828 | |
| 08/01/27 | 100 | $9,199 | $400,027 |
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 3,476 shares worth $410,758 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 Carrier Global
Carrier Global (CARR) is a public Industrial company, incorporated in Delaware and headquartered in Palm Beach Gardens, FL.
Last close: $55.12 per share (as of 2026-10-04).
Equity grants at Carrier Global typically include restricted stock units (RSUs).
Carrier Global Corporation is an American multinational heating, ventilation, and air conditioning (HVAC), refrigeration, and fire and security equipment corporation based in Palm Beach Gardens, Florida. Carrier was founded in 1915 as an independent company manufacturing and distributing HVAC systems, and has since expanded to include manufacturing commercial refrigeration and food service equipment, and fire and security technologies.
Source: Wikipedia (CC BY-SA 4.0)
Willis Carrier invented modern air conditioning in 1902, and the business was separated from United Technologies in 2020 as a standalone maker of heating, cooling, and refrigeration equipment. Replacement demand rather than new construction drives most volume, because equipment fails on a schedule and building codes force efficiency upgrades. The 2023 purchase of Viessmann added European heat pumps as electrification policy shifted demand that way. Refrigerant regulation repeatedly forces redesign and creates pre-buy cycles. Headquarters are in Palm Beach Gardens, Florida.
Sources: sec.gov · en.wikipedia.org
Equity comp at Carrier Global
- Carrier Global's proxy statements state the company does not provide automatic single-trigger accelerated vesting of equity compensation to named executive officers upon a change in control. Instead, RSUs are forfeited unless there is a death, disability, or a change-in-control termination (an involuntary termination without cause, or resignation for good reason, within two years of a change in control under the Change in Control Severance Plan). This double-trigger design has been consistent across multiple proxy years since Carrier's 2020 spinoff from United Technologies.
- RSUs use double-trigger vesting. Two things must both happen before the shares are yours: (1) the normal time-based vesting completes, and (2) the company has a liquidity event (an IPO or an acquisition). Until both happen, you do not yet own the shares and you do not owe tax on them.
Sources: sec.gov · sec.gov · sec.gov
Researched 2026-08-21.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Carrier Global.
If you hold vested Carrier Global (CARR) 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 CARR position at $55.12 is worth $275,600. 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 Carrier Global tools → · Use the generic Stock Sale Funding Calculator for any company.
Carrier Global equity questions
- How much CARR 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 CARR 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 Carrier Global grant ISOs, NSOs, or RSUs?
- Equity compensation at Carrier Global typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Carrier Global RSUs use double-trigger vesting?
- Yes. Carrier Global restricted stock units (RSUs) vest only when two things both happen: the time-based schedule completes, and the company has a liquidity event such as an initial public offering (IPO) or an acquisition. Until both occur you do not own the shares and owe no tax on them.
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