Sell Steris (STE) stock to fund a goal

Calculator · free · no signup · STE

Need cash for a goal? Plan the minimum-tax schedule to sell your vested Steris (STE) 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.

Stack 1

Drives chance-of-shortfall · default 30%

Lots

Plan

Estimates only. Not financial advice.

10%
1%30%

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
Wealth @ target$718,258$716,076$713,344$710,913
Chance of shortfall0%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 dateSharesTaxNetCumulative
08/26/264,088$351,349$360,067
03/31/274$359$360,430
04/30/2732$2,891$363,340
05/31/27100$9,088$372,468
06/30/27100$9,141$381,631
07/31/27100$9,196$390,828
08/01/27100$9,199$400,027

Risk vs wealth

Each dot is a possible plan. Right is riskier, up is more wealth left over.

$710K$715K$719K0%5%10%chance of shortfall★your risk ceilingRecommendedLock in nowBalancedHold for growth

Trajectory of cash netted

Solid line = expected. Shaded band = 10th–90th percentile under price uncertainty.

$0$220K$440KAug 26Feb 27Aug 27goal $400K

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.

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Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator · RSU Sell-vs-Hold Calculator

About Steris

Steris (STE) is a public Medical Device company, incorporated in Ireland and headquartered in Dublin, Ireland.

Last close: $208.54 per share (as of 2026-10-03).

Equity grants at Steris typically include restricted stock units (RSUs).

Steris plc is an American-Irish-based medical equipment company specializing in sterilization and surgical products for the US healthcare system. Steris is operationally headquartered in Mentor, Ohio, and has been legally registered in Dublin, Ireland, for tax purposes since 2018. Previously the company was registered in the United Kingdom from 2014 to 2018.

Source: Wikipedia (CC BY-SA 4.0)

The company sells the sterilization and infection-prevention systems hospitals depend on, together with the services and consumables that keep them running, and it operates contract sterilization facilities for medical-device manufacturers. Regulatory requirements make sterilization non-discretionary, which insulates demand from hospital budget pressure better than most equipment categories. Outsourced sterilization is constrained by facility permitting, particularly around ethylene oxide emissions. Service contracts on installed equipment provide the recurring layer. The company is incorporated in Ireland, with operations run from Mentor, Ohio.

Sources: sec.gov · en.wikipedia.org

Equity comp at Steris

  • STERIS uses double-trigger change in control (CIC) vesting: unvested options and restricted awards do not accelerate on a CIC alone if the acquirer provides a qualifying replacement award; acceleration requires a qualifying termination (e.g. without cause, or good reason) within a defined window after the CIC. Separately, retirement-eligible grantees (age 55 with 5+ years of service, or 25+ years of service at grant) get more favorable installment vesting (25% per year over 4 years, continuing after retirement) instead of the standard 4-year cliff. The plan was assumed and amended in STERIS’s 2018 corporate redomiciliation to Ireland with no indication this changed vesting mechanics.
  • Early exercise is not allowed: you have to wait for shares to vest before you can buy them.
  • RSUs use double-trigger vesting. Two things must both happen before the shares are yours: (1) the normal time-based vesting completes, and (2) the company has a liquidity event (an IPO or an acquisition). Until both happen, you do not yet own the shares and you do not owe tax on them.
  • Vesting schedule: Standard employee restricted stock/RSU grants under the 2006 Long-Term Equity Incentive Plan cliff-vest 100% on the 4th anniversary of grant (not a graded/ratable 4-year schedule). Stock options generally also vest over a 4-year period..

Sources: sec.gov · sec.gov · contracts.justia.com · sec.gov

Researched 2026-08-26.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Steris.

If you hold vested Steris (STE) 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 STE position at $208.54 is worth $1,042,700. 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 Steris tools → · Use the generic Stock Sale Funding Calculator for any company.

Steris equity questions

How much STE 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 STE 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 Steris grant ISOs, NSOs, or RSUs?
Equity compensation at Steris typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Does Steris allow early exercise of stock options?
No. Steris requires options to vest before you can exercise them, so the holding-period clock for long-term capital-gains treatment starts as each tranche vests and you exercise it.
Do Steris RSUs use double-trigger vesting?
Yes. Steris restricted stock units (RSUs) vest only when two things both happen: the time-based schedule completes, and the company has a liquidity event such as an initial public offering (IPO) or an acquisition. Until both occur you do not own the shares and owe no tax on them.
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