Sell Figma (FIG) stock to fund a goal
Calculator · free · no signup · FIGNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Figma (FIG) 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 Figma
Figma (FIG) is a public Dev Tools company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Sep 1, 2025.
Last close: $23.95 per share (as of 2026-07-18).
Post-Adobe-deal-collapse IPO.
Equity grants at Figma typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Figma is an American software company that provides a platform for collaborative web application for interface design, with additional offline features enabled by desktop applications for macOS and Windows. The feature set of Figma focuses on user interface and user experience design, with an emphasis on real-time collaboration, utilizing a variety of vector graphics editor and prototyping tools. The Figma mobile app for Android and iOS allows viewing and interacting with Figma prototypes in real-time on mobile and tablet devices.
Source: Wikipedia (CC BY-SA 4.0)
Dylan Field and Evan Wallace founded Figma in 2012, building a browser-based collaborative interface design tool now headquartered in San Francisco. Adobe announced a $20 billion acquisition in September 2022, but the companies terminated the deal in December 2023 after EU and UK antitrust regulators signaled they would block it; Adobe paid a $1 billion breakup fee. Figma filed its S-1 with the SEC on July 1, 2025, reporting $749 million in 2024 revenue (up 48% year-over-year), and began trading on the NYSE under ticker FIG on July 31, 2025.
Sources: sec.gov · cnbc.com · news.adobe.com · figma.com
Equity comp at Figma
- 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 Figma.
If you hold vested Figma (FIG) 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 FIG position at $23.95 is worth $119,750. 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 Figma tools → · Use the generic Stock Sale Funding Calculator for any company.
Figma equity questions
- How much FIG 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 FIG 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 Figma grant ISOs, NSOs, or RSUs?
- Equity compensation at Figma 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 Figma IPO lockup expire?
- Figma (FIG) went public on September 1, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around February 28, 2026. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do Figma RSUs use double-trigger vesting?
- No. Figma 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 Figma equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.