Sell UnitedHealth Group (UNH) stock to fund a goal
Calculator · free · no signup · UNHNeed cash for a goal? Plan the minimum-tax schedule to sell your vested UnitedHealth Group (UNH) 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 | $109,597 | $111,639 | $111,883 | $118,769 |
| Wealth @ target | $719,068 | $716,894 | $714,464 | $712,031 |
| Chance of shortfall | <0.1% | 0% | 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 date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/17/26 | 4,085 | $351,104 | $360,043 | |
| 03/31/27 | 4 | $360 | $360,406 | |
| 04/30/27 | 32 | $2,896 | $363,321 | |
| 05/31/27 | 100 | $9,103 | $372,466 | |
| 06/30/27 | 100 | $9,157 | $381,644 | |
| 07/31/27 | 100 | $9,212 | $390,857 | |
| 08/01/27 | 100 | $9,215 | $400,071 |
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 3,479 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.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator · RSU Sell-vs-Hold Calculator
About UnitedHealth Group
UnitedHealth Group (UNH) is a public Other company, incorporated in Delaware and headquartered in Eden Prairie, MN.
Equity grants at UnitedHealth Group typically include restricted stock units (RSUs).
UnitedHealth Group Incorporated is an American multinational for-profit company based in Eden Prairie, Minnesota, specializing in health insurance and health care services. Selling insurance products under UnitedHealthcare, and health care services under the Optum brand, it is the world's fourth-largest company by revenue and the largest health care company by revenue. The company is ranked fourth on the 2026 Fortune Global 500.
Source: Wikipedia (CC BY-SA 4.0)
The company is the largest health insurer in the United States and, through Optum, one of the largest healthcare providers and pharmacy benefit managers, employing tens of thousands of physicians. That vertical integration, insurance paying an affiliated care and pharmacy operation, has drawn Justice Department antitrust attention and congressional scrutiny of billing practices. A 2024 ransomware attack on Change Healthcare disrupted claims processing nationwide for weeks. The 2024 killing of its insurance chief executive prompted broad public debate over claim denials. Headquarters are in Minnetonka, Minnesota.
Sources: unitedhealthgroup.com · en.wikipedia.org
Equity comp at UnitedHealth Group
- 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 UnitedHealth Group.
If you hold vested UnitedHealth Group (UNH) 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 UnitedHealth Group tools → · Use the generic Stock Sale Funding Calculator for any company.
UnitedHealth Group equity questions
- How much UNH 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 UNH 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 UnitedHealth Group grant ISOs, NSOs, or RSUs?
- Equity compensation at UnitedHealth Group typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do UnitedHealth Group RSUs use double-trigger vesting?
- No. UnitedHealth Group 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.
Find another companyOther peers
- RiverNorth Long Prime Unicorn Fund I, Inc.PublicOpen →
- RiverNorth Short Prime Unicorn Fund I, IncPublicOpen →
- Global X FundsPublicOpen →
- Accenture (ACN)PublicOpen →
- Cognizant (CTSH)PublicOpen →
- Globant (GLOB)PublicOpen →
- DXC Technology (DXC)PublicOpen →
- Eli Lilly (LLY)PublicOpen →
- Pfizer (PFE)PublicOpen →
- Merck (MRK)PublicOpen →
One piece of the puzzle.
OptionsAhoy plans your UnitedHealth Group equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.