Sell monday.com (MNDY) stock to fund a goal
Calculator · free · no signup · MNDYNeed cash for a goal? Plan the minimum-tax schedule to sell your vested monday.com (MNDY) 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 monday.com
monday.com (MNDY) is a public Cloud/SaaS company, incorporated in L3 and headquartered in Tel Aviv-yafo, L3. IPO'd Jun 10, 2021.
Last close: $78.69 per share (as of 2026-07-17).
HQ Israel; US-listed.
Equity grants at monday.com typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Monday.com Ltd. is an Israeli software company based in Tel Aviv. It develops work management software. The platform was launched in 2014 and relaunched in July 2019, and the company went public in June 2021.
Source: Wikipedia (CC BY-SA 4.0)
Roy Mann and Eran Zinman started the project in 2012 inside Wix, where it ran as an internal coordination tool before spinning out as a standalone startup. The product launched commercially in 2014 under the name dapulse, then rebranded to monday.com in 2017. Headquartered in Tel Aviv, the company sells a work operating system that lets teams build customizable workflow boards across projects, sales, and operations. Shares listed on NASDAQ under MNDY on June 10, 2021, priced at $155, with paying customers across 200+ countries.
Sources: en.wikipedia.org · monday.com
Equity comp at monday.com
- 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 monday.com.
If you hold vested monday.com (MNDY) 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 MNDY position at $78.69 is worth $393,450. 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 monday.com tools → · Use the generic Stock Sale Funding Calculator for any company.
monday.com equity questions
- How much MNDY 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 MNDY 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 monday.com grant ISOs, NSOs, or RSUs?
- Equity compensation at monday.com 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 monday.com RSUs use double-trigger vesting?
- No. monday.com 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 monday.com equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.