Sell Circle Internet Group (CRCL) stock to fund a goal
Calculator · free · no signup · CRCLNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Circle Internet Group (CRCL) 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 | $109,048 | $111,357 | $112,141 | $119,083 |
| Wealth @ target | $722,357 | $719,710 | $718,290 | $715,881 |
| Chance of shortfall | <0.1% | 0% | 2.4% | 4.0% |
Feasible
$400,017 net by 08/01/27
Total tax: $109,048 (federal $58,211, state $36,091, NIIT $14,747)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 07/18/26 | 3,164 | $272,468 | $280,012 | |
| 07/31/26 | 20 | $1,726 | $281,785 | |
| 08/31/26 | 100 | $8,684 | $290,681 | |
| 09/30/26 | 100 | $8,735 | $299,611 | |
| 10/31/26 | 100 | $8,787 | $308,574 | |
| 11/30/26 | 100 | $8,839 | $317,569 | |
| 12/31/26 | 100 | $8,892 | $326,599 | |
| 01/31/27 | 100 | $8,946 | $335,663 | |
| 02/28/27 | 100 | $8,994 | $344,758 | |
| 03/31/27 | 100 | $9,049 | $353,888 | |
| 04/30/27 | 100 | $9,102 | $363,051 | |
| 05/31/27 | 100 | $9,157 | $372,249 | |
| 06/30/27 | 100 | $9,210 | $381,481 | |
| 07/31/27 | 100 | $9,266 | $390,748 | |
| 08/01/27 | 100 | $9,269 | $400,017 |
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 3,516 shares worth $418,901 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 →About Circle Internet Group
Circle Internet Group (CRCL) is a public Fintech company, incorporated in Delaware and headquartered in New York, NY. IPO'd Jun 4, 2025.
Last close: $60.64 per share (as of 2026-07-17).
Stablecoin issuer.
Equity grants at Circle Internet Group typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Circle Internet Group, Inc. is a payments technology company. Founded by Jeremy Allaire and Sean Neville in 2013, it is currently headquartered in New York City and issues two types of stablecoin: USDC, which has a conversion rate pegged to the U.S. dollar, and EURC, which is euro-denominated. It also issues USYC, a tokenized money market fund.
Source: Wikipedia (CC BY-SA 4.0)
Jeremy Allaire and Sean Neville founded Circle in October 2013, building it into the issuer of USDC, a dollar-backed stablecoin fully reserved with cash and short-term U.S. Treasuries. The company relocated its headquarters from Boston to 1 World Trade Center in New York City in 2024. Circle listed on the NYSE under ticker CRCL on June 5, 2025, pricing its IPO at $31 per share and closing the first session up 168 percent. As of Q1 2025, roughly $60 billion of USDC was in circulation across 4.9 million wallets.
Sources: cnbc.com · bostonglobe.com · investor.circle.com
Equity comp at Circle Internet Group
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Circle Internet Group.
If you hold vested Circle Internet Group (CRCL) 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 CRCL position at $60.64 is worth $303,200. 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 Circle Internet Group tools → · Use the generic Stock Sale Funding Calculator for any company.
Circle Internet Group equity questions
- How much CRCL 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 CRCL 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 Circle Internet Group grant ISOs, NSOs, or RSUs?
- Equity compensation at Circle Internet Group typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- When did the Circle Internet Group IPO lockup expire?
- Circle Internet Group (CRCL) went public on June 4, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around December 1, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do Circle Internet Group RSUs use double-trigger vesting?
- No. Circle Internet Group restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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