Sell Stanley Black & Decker (SWK) stock to fund a goal
Calculator · free · no signup · SWKNeed cash for a goal? Plan the minimum-tax schedule to sell your vested Stanley Black & Decker (SWK) 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 | $109,617 | $111,667 | $111,859 | $118,744 |
| Wealth @ target | $718,846 | $716,668 | $714,158 | $711,725 |
| Chance of shortfall | <0.1% | 0% | 1.8% | 3.4% |
Feasible
$400,074 net by 08/01/27
Total tax: $109,617 (federal $58,832, state $36,054, NIIT $14,732)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/20/26 | 4,086 | $351,185 | $360,065 | |
| 03/31/27 | 4 | $360 | $360,428 | |
| 04/30/27 | 32 | $2,894 | $363,341 | |
| 05/31/27 | 100 | $9,099 | $372,482 | |
| 06/30/27 | 100 | $9,152 | $381,655 | |
| 07/31/27 | 100 | $9,208 | $390,864 | |
| 08/01/27 | 100 | $9,210 | $400,074 |
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 3,478 shares worth $411,546 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 Stanley Black & Decker
Stanley Black & Decker (SWK) is a public Industrial company, incorporated in Connecticut and headquartered in New Britain, CT.
Last close: $98.4 per share (as of 2026-08-19).
Equity grants at Stanley Black & Decker typically include restricted stock units (RSUs).
Stanley Black & Decker, Inc., formerly known as The Stanley Works, is an American manufacturer of industrial tools and household hardware, and a provider of security products. Headquartered in the Greater Hartford city of New Britain, Connecticut, Stanley Black & Decker is the result of the merger of The Stanley Works and Black & Decker on March 12, 2010.
Source: Wikipedia (CC BY-SA 4.0)
The 2010 merger joined Stanley Works, a tool maker since 1843, with Black & Decker, and the combined company sells hand tools, power tools, and outdoor equipment largely through big-box retailers. Retail concentration is the structural weakness: a small number of customers control shelf space and negotiate hard. DeWalt and Craftsman are the brands that carry pricing power. Post-pandemic inventory correction forced a multi-year cost reduction program. Headquarters are in New Britain, Connecticut.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Stanley Black & Decker.
If you hold vested Stanley Black & Decker (SWK) 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 SWK position at $98.4 is worth $492,000. 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 Stanley Black & Decker tools → · Use the generic Stock Sale Funding Calculator for any company.
Stanley Black & Decker equity questions
- How much SWK 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 SWK 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 Stanley Black & Decker grant ISOs, NSOs, or RSUs?
- Equity compensation at Stanley Black & Decker typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Find another companyIndustrials peers
One piece of the puzzle.
OptionsAhoy plans your Stanley Black & Decker equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.