Sell ServiceTitan (TTAN) stock to fund a goal
Calculator · free · no signup · TTANNeed cash for a goal? Plan the minimum-tax schedule to sell your vested ServiceTitan (TTAN) 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.
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 | $111,637 | $110,752 | $111,637 | $119,397 |
| Wealth @ target | $726,476 | $680,919 | $726,476 | $721,823 |
| Chance of shortfall | 2.5% | 0% | 2.5% | 4.8% |
Feasible
$400,051 net by 08/01/27
Total tax: $111,637 (federal $59,593, state $36,947, NIIT $15,097)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 06/30/26 | 173 | $14,974 | $15,410 | |
| 07/31/26 | 300 | $26,124 | $42,233 | |
| 08/31/26 | 300 | $26,281 | $69,157 | |
| 09/30/26 | 300 | $26,434 | $96,180 | |
| 10/31/26 | 300 | $26,594 | $123,305 | |
| 11/30/26 | 300 | $26,749 | $150,529 | |
| 12/31/26 | 300 | $26,910 | $177,857 | |
| 01/31/27 | 300 | $27,073 | $205,289 | |
| 02/28/27 | 300 | $27,221 | $232,814 | |
| 03/31/27 | 300 | $27,385 | $260,444 | |
| 04/30/27 | 300 | $27,546 | $288,176 | |
| 05/31/27 | 300 | $27,712 | $316,013 | |
| 06/30/27 | 300 | $27,875 | $343,953 | |
| 07/31/27 | 300 | $28,043 | $372,000 | |
| 08/01/27 | 300 | $28,052 | $400,051 |
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 3,627 shares worth $436,251 at the projected target-date price, invested for the next decision.
About ServiceTitan
ServiceTitan (TTAN) is a public Vertical SaaS company, incorporated in Delaware and headquartered in Glendale, CA. IPO'd Dec 12, 2024.
Last close: $75.01 per share (as of 2026-06-03).
Equity grants at ServiceTitan typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
ServiceTitan, Inc. is an American cloud-based software company headquartered in Glendale, California. It provides customer relationship management (CRM) software for tradespersons, with applications focused on sales, customer service, marketing automation, e-commerce and analytics.
Source: Wikipedia (CC BY-SA 4.0)
Ara Mahdessian and Vahe Kuzoyan founded ServiceTitan in 2007 after watching their fathers run small home-services businesses on paper and spreadsheets. The platform digitizes scheduling, invoicing, payments, and customer communication for HVAC, plumbing, electrical, and other trade contractors. ServiceTitan raised more than $1.5 billion across 10 private rounds backed by Sequoia, Bessemer, TPG, Iconiq Growth, and Tiger Global, then went public on Nasdaq in December 2024 at a $71 IPO price that opened at $101 for a valuation near $9 billion. The platform served roughly 11,800 trade businesses as of January 2025, with about 8,000 producing more than $10,000 in annualized billings.
Sources: cnbc.com · fortune.com · sec.gov
Equity comp at ServiceTitan
- 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 ServiceTitan.
If you hold vested ServiceTitan (TTAN) 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 TTAN position at $75.01 is worth $375,050. 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 ServiceTitan tools → · Use the generic Stock Sale Funding Calculator for any company.
ServiceTitan equity questions
- How much TTAN 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 TTAN 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 ServiceTitan grant ISOs, NSOs, or RSUs?
- Equity compensation at ServiceTitan 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 ServiceTitan IPO lockup expire?
- ServiceTitan (TTAN) went public on December 12, 2024. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around June 10, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do ServiceTitan RSUs use double-trigger vesting?
- No. ServiceTitan 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 ServiceTitan equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.