Sell Thermo Fisher Scientific (TMO) stock to fund a goal

Calculator · free · no signup · TMO

Need cash for a goal? Plan the minimum-tax schedule to sell your vested Thermo Fisher Scientific (TMO) 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$719,068$716,894$714,464$712,031
Chance of shortfall0%1.9%3.4%

Feasible

$400,071 net by 08/01/27

Total tax: $109,597 (federal $58,819, state $36,048, NIIT $14,729)

Schedule · Recommended

Sale dateSharesTaxNetCumulative
08/17/264,085$351,104$360,043
03/31/274$360$360,406
04/30/2732$2,896$363,321
05/31/27100$9,103$372,466
06/30/27100$9,157$381,644
07/31/27100$9,212$390,857
08/01/27100$9,215$400,071

Risk vs wealth

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

$711K$716K$720K0%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 3,479 shares worth $411,873 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 Thermo Fisher Scientific

Thermo Fisher Scientific (TMO) is a public Other company, incorporated in Delaware and headquartered in Waltham, MA.

Equity grants at Thermo Fisher Scientific typically include restricted stock units (RSUs).

Thermo Fisher Scientific Inc. is an American life science and clinical research company. It is a global supplier of analytical instruments, clinical development solutions, specialty diagnostics, laboratory, pharmaceutical and biotechnology services. Based in Waltham, Massachusetts, Thermo Fisher was formed through the merger of Thermo Electron and Fisher Scientific in 2006. Thermo Fisher Scientific has acquired other reagent, consumable, instrumentation, and service providers, including Life Technologies Corporation (2013), Alfa Aesar (2015), Affymetrix (2016), FEI Company (2016), BD Advanced Bioprocessing (2018), and PPD (2021).

Source: Wikipedia (CC BY-SA 4.0)

Thermo Electron and Fisher Scientific merged in 2006, joining an instrument maker with a laboratory distributor. Acquisitions since have been large and frequent: Life Technologies in 2014, Patheon in 2017, and PPD in 2021, which added contract research. The company now supplies instruments, reagents, consumables, and outsourced manufacturing to pharmaceutical, biotech, academic, and clinical customers, an arrangement management describes as selling picks and shovels to drug developers. Pandemic testing produced an unusual revenue spike that later unwound. Headquarters are in Waltham, Massachusetts.

Sources: corporate.thermofisher.com · en.wikipedia.org

Equity comp at Thermo Fisher Scientific

  • 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 2026-08-17.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Thermo Fisher Scientific.

If you hold vested Thermo Fisher Scientific (TMO) 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.

All Thermo Fisher Scientific tools → · Use the generic Stock Sale Funding Calculator for any company.

Thermo Fisher Scientific equity questions

How much TMO 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 TMO 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 Thermo Fisher Scientific grant ISOs, NSOs, or RSUs?
Equity compensation at Thermo Fisher Scientific typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do Thermo Fisher Scientific RSUs use double-trigger vesting?
No. Thermo Fisher Scientific 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.
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One piece of the puzzle.

OptionsAhoy plans your Thermo Fisher Scientific equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.

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