Sell Lowe's (LOW) stock to fund a goal
Calculator · free · no signup · LOWNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Lowe's (LOW) 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 | $109,595 | $111,667 | $111,866 | $118,780 |
| Wealth @ target | $719,016 | $716,834 | $714,390 | $711,958 |
| Chance of shortfall | <0.1% | 0% | 1.9% | 3.4% |
Feasible
$400,052 net by 08/01/27
Total tax: $109,595 (federal $58,818, state $36,048, NIIT $14,729)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/18/26 | 4,085 | $351,104 | $360,028 | |
| 03/31/27 | 4 | $360 | $360,391 | |
| 04/30/27 | 32 | $2,895 | $363,306 | |
| 05/31/27 | 100 | $9,102 | $372,449 | |
| 06/30/27 | 100 | $9,156 | $381,626 | |
| 07/31/27 | 100 | $9,211 | $390,838 | |
| 08/01/27 | 100 | $9,214 | $400,052 |
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 3,479 shares worth $411,823 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 Lowe's
Lowe's (LOW) is a public Retail company, incorporated in North Carolina and headquartered in Mooresville, NC.
Equity grants at Lowe's typically include restricted stock units (RSUs).
Lowe's Companies, Inc. is an American retail company specializing in home improvement. Headquartered in Mooresville, North Carolina, the company operates a chain of retail stores in the United States. As of October 28, 2022, Lowe's and its related businesses operated 2,181 home improvement and hardware stores in North America.
Source: Wikipedia (CC BY-SA 4.0)
Lucius Smith Lowe opened a hardware store in North Wilkesboro, North Carolina in 1921, and the chain became the second largest home improvement retailer after Home Depot. Its customer mix skews more toward do-it-yourself homeowners than professional contractors, which makes it somewhat more exposed to consumer discretionary spending and housing sentiment. Marvin Ellison, previously at Home Depot and JCPenney, has led a multi-year operational overhaul since 2018. Headquarters are in Mooresville, North Carolina.
Sources: corporate.lowes.com · en.wikipedia.org
Equity comp at Lowe's
- 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 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Lowe's.
If you hold vested Lowe's (LOW) 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.
All Lowe's tools → · Use the generic Stock Sale Funding Calculator for any company.
Lowe's equity questions
- How much LOW 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 LOW 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 Lowe's grant ISOs, NSOs, or RSUs?
- Equity compensation at Lowe's typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Lowe's RSUs use double-trigger vesting?
- No. Lowe's 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.
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OptionsAhoy plans your Lowe's equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.