Sell Valero Energy (VLO) stock to fund a goal
Calculator · free · no signup · VLONeed cash for a goal? Plan the minimum-tax schedule to sell your vested Valero Energy (VLO) 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.
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 | $109,654 | $111,723 | $111,788 | $118,699 |
| Wealth @ target | $718,258 | $716,076 | $713,344 | $710,913 |
| Chance of shortfall | <0.1% | 0% | 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 date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/26/26 | 4,088 | $351,349 | $360,067 | |
| 03/31/27 | 4 | $359 | $360,430 | |
| 04/30/27 | 32 | $2,891 | $363,340 | |
| 05/31/27 | 100 | $9,088 | $372,468 | |
| 06/30/27 | 100 | $9,141 | $381,631 | |
| 07/31/27 | 100 | $9,196 | $390,828 | |
| 08/01/27 | 100 | $9,199 | $400,027 |
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 3,476 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.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator · RSU Sell-vs-Hold Calculator
About Valero Energy
Valero Energy (VLO) is a public Energy company, incorporated in Delaware and headquartered in San Antonio, TX.
Last close: $406.3 per share (as of 2026-10-03).
Equity grants at Valero Energy typically include restricted stock units (RSUs).
Valero Energy Corporation is an American-based fuels producer mostly involved in manufacturing and marketing transportation fuels and other related products. It is headquartered in San Antonio, Texas, United States. Throughout the United States, Canada, and the United Kingdom, the company owns and operates 14 refineries with a combined throughput capacity of approximately 3.2 million barrels per day, two renewable diesel plants that produce approximately 1.2 billion gallons per year, and 12 ethanol plants with a combined production capacity of 1.6 billion gallons as its subsidiaries.
Source: Wikipedia (CC BY-SA 4.0)
Spun out of a San Antonio natural gas utility in 1980, the company became one of the largest independent refiners, with a footprint concentrated on the Gulf Coast. Coastal refineries can source waterborne crude and export refined product, which widens the set of profitable crude grades and markets. Renewable diesel through the Diamond Green joint venture is the largest non-refining business. Refining margins depend on spreads the company does not set. Headquarters are in San Antonio.
Sources: sec.gov · en.wikipedia.org
Equity comp at Valero Energy
- Valero grants restricted stock and performance shares rather than time-based RSUs or stock options as its main equity vehicle. Restricted stock vests over 3 years in equal annual installments (not the more common 4-year schedule). For change in control, performance shares use double-trigger vesting: they do not vest automatically when a change in control occurs; instead, unvested shares vest on a pro-rata basis only if the employee is terminated (without cause, or resigns for good reason) after the change in control. Restricted stock treatment varies by grant and executive level: some awards accelerate automatically upon the change in control itself (single trigger), while others require a qualifying termination after the change in control (double trigger).
- 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: Restricted stock (Valero’s primary equity award, used in place of standard RSUs) vests in three equal annual installments (1/3 each year) beginning on the first anniversary of the grant date, i.e. fully vested after 3 years rather than the typical 4-year/1-year-cliff schedule. Performance shares also vest in one-third annual increments, contingent on performance, and can settle between 0% and 200% of target..
Sources: sec.gov · sec.gov · sec.gov
Researched 2026-08-26.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Valero Energy.
If you hold vested Valero Energy (VLO) 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 VLO position at $406.3 is worth $2,031,500. 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 Valero Energy tools → · Use the generic Stock Sale Funding Calculator for any company.
Valero Energy equity questions
- How much VLO 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 VLO 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 Valero Energy grant ISOs, NSOs, or RSUs?
- Equity compensation at Valero Energy typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Valero Energy RSUs use double-trigger vesting?
- Yes. Valero Energy 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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OptionsAhoy plans your Valero Energy equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.