Sell Fair Isaac (FICO) stock to fund a goal
Calculator · free · no signup · FICONeed cash for a goal? Plan the minimum-tax schedule to sell your vested Fair Isaac (FICO) shares and net a target amount by a target date, across tax years.
AlphaLatitude Inc. · Free ToolsOur tools respect your browsing privacy. Independently verified:
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 Fair Isaac
Fair Isaac (FICO) is a public Data company, incorporated in Delaware and headquartered in Bozeman, MT.
Last close: $661.25 per share (as of 2026-10-03).
Equity grants at Fair Isaac typically include restricted stock units (RSUs).
FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States.
Source: Wikipedia (CC BY-SA 4.0)
Engineer Bill Fair and mathematician Earl Isaac founded the firm in 1956 to apply statistical scoring to credit decisions, and the FICO score they eventually produced became the default measure of consumer creditworthiness in the United States. Two businesses sit under one roof: scores, which are licensed through the three credit bureaus and carry almost no incremental cost per pull, and software for fraud detection and decision management sold to banks and insurers. The scores business is unusually profitable because the asset is a standard rather than a product. Mortgage origination volume drives the cyclical part of revenue. Headquarters are in Bozeman, Montana.
Sources: sec.gov · en.wikipedia.org
Equity comp at Fair Isaac
- Fair Isaac's equity compensation plan uses double-trigger acceleration for RSUs (restricted stock units), as disclosed in its 2025 proxy statement. Double-trigger means unvested RSUs do not automatically vest just because the company is acquired (a change in control); vesting only accelerates if that change in control is followed by a qualifying termination, such as the employee being let go without cause or resigning for good reason, within a defined window around the deal closing.
- 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: investors.fico.com
Researched 2026-08-21.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Fair Isaac.
If you hold vested Fair Isaac (FICO) 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 FICO position at $661.25 is worth $3,306,250. 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 Fair Isaac tools → · Use the generic Stock Sale Funding Calculator for any company.
Fair Isaac equity questions
- How much FICO 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 FICO 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 Fair Isaac grant ISOs, NSOs, or RSUs?
- Equity compensation at Fair Isaac typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Fair Isaac RSUs use double-trigger vesting?
- Yes. Fair Isaac 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.
Find another companyData peers
One piece of the puzzle.
OptionsAhoy plans your Fair Isaac equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.