Sell ConocoPhillips (COP) stock to fund a goal
Calculator · free · no signup · COPNeed cash for a goal? Plan the minimum-tax schedule to sell your vested ConocoPhillips (COP) 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 | $109,595 | $111,667 | $111,866 | $118,780 |
| Wealth @ target | $719,016 | $716,834 | $714,390 | $711,958 |
| Chance of shortfall | <0.1% | 0% | 1.9% | 3.4% |
Feasible
$400,052 net by 08/01/27
Total tax: $109,595 (federal $58,818, state $36,048, NIIT $14,729)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/18/26 | 4,085 | $351,104 | $360,028 | |
| 03/31/27 | 4 | $360 | $360,391 | |
| 04/30/27 | 32 | $2,895 | $363,306 | |
| 05/31/27 | 100 | $9,102 | $372,449 | |
| 06/30/27 | 100 | $9,156 | $381,626 | |
| 07/31/27 | 100 | $9,211 | $390,838 | |
| 08/01/27 | 100 | $9,214 | $400,052 |
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 3,479 shares worth $411,823 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 ConocoPhillips
ConocoPhillips (COP) is a public Energy company, incorporated in Delaware and headquartered in Houston, TX.
Equity grants at ConocoPhillips typically include restricted stock units (RSUs).
ConocoPhillips Company is an American multinational corporation engaged in hydrocarbon exploration and production. It is based in the Energy Corridor district of Houston, Texas.
Source: Wikipedia (CC BY-SA 4.0)
Conoco and Phillips Petroleum merged in 2002, and the combined company spun off its refining and marketing arm as Phillips 66 in 2012, leaving a pure exploration and production business. Assets span the Permian and Eagle Ford, Alaska including the contested Willow project, Canadian oil sands, and liquefied natural gas positions in Qatar. Without refining to hedge it, results track crude and gas prices closely. The 2024 Marathon Oil acquisition added shale acreage. Headquarters are in Houston.
Sources: conocophillips.com · en.wikipedia.org
Equity comp at ConocoPhillips
- 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 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by ConocoPhillips.
If you hold vested ConocoPhillips (COP) 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.
All ConocoPhillips tools → · Use the generic Stock Sale Funding Calculator for any company.
ConocoPhillips equity questions
- How much COP 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 COP 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 ConocoPhillips grant ISOs, NSOs, or RSUs?
- Equity compensation at ConocoPhillips typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do ConocoPhillips RSUs use double-trigger vesting?
- No. ConocoPhillips 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.
One piece of the puzzle.
OptionsAhoy plans your ConocoPhillips equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.