Sell Dow (DOW) stock to fund a goal
Calculator · free · no signup · DOWNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Dow (DOW) 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 Dow
Dow (DOW) is a public Chemicals company, incorporated in Delaware and headquartered in Midland, MI.
Last close: $31.19 per share (as of 2026-08-18).
Equity grants at Dow typically include restricted stock units (RSUs).
The Dow Chemical Company is an American multinational corporation headquartered in Midland, Michigan, United States. The company was among the three largest chemical producers in the world in 2021. It is the operating subsidiary of Dow Inc., a publicly traded holding company incorporated under Delaware law.
Source: Wikipedia (CC BY-SA 4.0)
The current company emerged in 2019 when DowDuPont separated into three parts, leaving the materials science business that Herbert Dow started in Midland, Michigan in 1897. Commodity chemicals are made from natural gas and naphtha feedstocks and sold into packaging, construction, and consumer markets, so margins are the spread between energy input and product price. North American shale gas gives domestic plants a cost advantage over European and Asian competitors. Capacity additions across the industry drive multi-year price cycles. Headquarters are in Midland, Michigan.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Dow.
If you hold vested Dow (DOW) 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 DOW position at $31.19 is worth $155,950. 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 Dow tools → · Use the generic Stock Sale Funding Calculator for any company.
Dow equity questions
- How much DOW 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 DOW 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 Dow grant ISOs, NSOs, or RSUs?
- Equity compensation at Dow typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
One piece of the puzzle.
OptionsAhoy plans your Dow equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.