Sell Sempra (SRE) stock to fund a goal
Calculator · free · no signup · SRENeed cash for a goal? Plan the minimum-tax schedule to sell your vested Sempra (SRE) shares and net a target amount by a target date, across tax years.
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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 Sempra
Sempra (SRE) is a public Utility company, incorporated in California and headquartered in San Diego, CA.
Last close: $78.38 per share (as of 2026-10-03).
Equity grants at Sempra typically include restricted stock units (RSUs).
Sempra is a North American public utility holding company based in San Diego, California. The company is one of the largest utility holding companies in the United States, with nearly 40 million consumers. Sempra's focus is on electric and natural gas infrastructure. Its operating companies include Southern California Gas Company (SoCalGas) and San Diego Gas & Electric (SDGE) in Southern California; Oncor Electric Equipment Delivery Company in Texas; and Sempra Infrastructure, with offices in California and Texas.
Source: Wikipedia (CC BY-SA 4.0)
The 1998 merger of Pacific Enterprises and Enova created the company, which owns San Diego Gas and Electric, SoCalGas, and a large regulated utility in Texas. Regulated utilities earn an authorized return on capital invested, so rate-base growth rather than sales volume drives earnings. Infrastructure for liquefied natural gas export adds a business with different, contract-driven economics. California wildfire liability is the risk that distinguishes the utility from peers elsewhere. Headquarters are in San Diego.
Sources: sec.gov · en.wikipedia.org
Equity comp at Sempra
- Sempra's RSU (restricted stock unit) award agreements include a partial single-trigger provision rather than a strict double-trigger requirement. Outstanding RSUs vest immediately prior to a Change in Control if either of two conditions is met: (1) the employee has reached age 55 with at least five years of continuous service as of the Change in Control date, or (2) the awards are not assumed or substituted with replacement awards by the acquirer. Where awards are assumed by the acquirer and the age/service condition is not met, a subsequent qualifying termination may still be required to trigger vesting, so the plan is best described as a hybrid rather than a pure double-trigger design.
- 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.
Sources: sec.gov · sec.gov · sec.gov
Researched 2026-08-25.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Sempra.
If you hold vested Sempra (SRE) 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 SRE position at $78.38 is worth $391,900. 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 Sempra tools → · Use the generic Stock Sale Funding Calculator for any company.
Sempra equity questions
- How much SRE 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 SRE 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 Sempra grant ISOs, NSOs, or RSUs?
- Equity compensation at Sempra typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Sempra RSUs use double-trigger vesting?
- No. Sempra 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 Sempra equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.