Sell Equifax (EFX) stock to fund a goal
Calculator · free · no signup · EFXNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Equifax (EFX) 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 Equifax
Equifax (EFX) is a public Data company, incorporated in Georgia and headquartered in Atlanta, GA.
Last close: $140 per share (as of 2026-10-03).
Equity grants at Equifax typically include restricted stock units (RSUs).
Equifax Inc. is an American multinational consumer credit reporting agency headquartered in Atlanta, Georgia, and is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion. Equifax collects and aggregates information on more than 800 million individual consumers and more than 88 million businesses worldwide. In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud prevention services directly to consumers.
Source: Wikipedia (CC BY-SA 4.0)
One of the three national credit bureaus, the company has collected consumer credit data since 1899 and sells it to lenders deciding whether to extend credit. The other large asset is The Work Number, a payroll database employers contribute to that verifies income and employment for mortgage and lending decisions, and which competitors cannot easily replicate. A 2017 breach exposing data on roughly 147 million people produced regulatory settlements and a lasting rebuild of security spending. Mortgage volume drives the cyclical portion of revenue. Headquarters are in Atlanta.
Sources: sec.gov · en.wikipedia.org
Equity comp at Equifax
- Equifax uses double-trigger vesting, meaning accelerated vesting of RSUs and other equity awards on a change in control requires both the change in control itself AND a qualifying employment event (termination without cause, resignation for good reason, or the acquirer failing to assume the awards). This replaced a prior single-trigger policy (automatic vesting on change in control alone) for awards granted before 2017. Non-CEO named executives are covered by the Equifax Inc. 2019 Change in Control Severance Plan; the CEO's change-in-control equity treatment is instead set out in his employment agreement.
- 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.
Researched 2026-08-21.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Equifax.
If you hold vested Equifax (EFX) 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 EFX position at $140 is worth $700,000. 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 Equifax tools → · Use the generic Stock Sale Funding Calculator for any company.
Equifax equity questions
- How much EFX 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 EFX 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 Equifax grant ISOs, NSOs, or RSUs?
- Equity compensation at Equifax typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Equifax RSUs use double-trigger vesting?
- Yes. Equifax 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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