Sell Joby Aviation (JOBY) stock to fund a goal
Calculator · free · no signup · JOBYNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Joby Aviation (JOBY) 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 Joby Aviation
Joby Aviation (JOBY) is a public Aerospace/Defense company, incorporated in Delaware and headquartered in Santa Cruz, CA. IPO'd Aug 11, 2021.
Last close: $7.34 per share (as of 2026-07-17).
Equity grants at Joby Aviation typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Joby Aviation, Inc. is an American venture-backed aviation company, developing an electric vertical takeoff and landing (eVTOL) aircraft that it intends to operate as an air taxi service. Joby Aviation is headquartered in Santa Cruz, California and has offices in San Carlos, California; Marina, California; and Munich, Germany.
Source: Wikipedia (CC BY-SA 4.0)
Founded in 2009 by JoeBen Bevirt on his family's Santa Cruz ranch, Joby Aviation builds the S4, a five-seat eVTOL air taxi with six tilting prop-rotors, roughly 150-mile range, and 200 mph cruise. The company went public on NYSE in August 2021 via SPAC merger with Reinvent Technology Partners. Toyota has committed $894 million across multiple tranches and now holds Joby's largest equity stake. In March 2026 the FAA cleared Stage 4 of type certification, putting commercial launch on track for late 2026 with Delta in New York and Los Angeles, alongside service rollouts in Dubai and Saudi Arabia.
Sources: jobyaviation.com · cnbc.com · aircraftinsider.com
Equity comp at Joby Aviation
- 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 Joby Aviation.
If you hold vested Joby Aviation (JOBY) 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 JOBY position at $7.34 is worth $36,700. 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 Joby Aviation tools → · Use the generic Stock Sale Funding Calculator for any company.
Joby Aviation equity questions
- How much JOBY 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 JOBY 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 Joby Aviation grant ISOs, NSOs, or RSUs?
- Equity compensation at Joby Aviation 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.
- Do Joby Aviation RSUs use double-trigger vesting?
- No. Joby Aviation 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 Joby Aviation equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.