Amesite Inc. (AMST) RSU sell-vs-hold
Calculator · free · no signup · AMSTSell at vest or hold? Compare after-tax payout from selling Amesite Inc. RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of AMST today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in AMST. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →About Amesite Inc.
Amesite Inc. (AMST) is a public Cloud/SaaS company, incorporated in Delaware and headquartered in Detroit, MI.
Last close: $1.14 per share (as of 2026-07-10).
Equity grants at Amesite Inc. typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Dr. Ann Marie Sastry founded Amesite in 2017 in Detroit, Michigan, after previously co-founding Sakti3, a solid-state battery company acquired by Dyson for $90 million in 2015. Amesite's current flagship product is NurseMagic, an AI-driven documentation platform for post-acute care settings (home health, hospice, skilled nursing, and home care) that reduces nursing charting time from roughly 20 minutes to 20 seconds per note. The company listed on Nasdaq in 2020 and reported $108,050 in Q2 2026 revenue, a 69% quarter-over-quarter increase, with approximately 12 employees. In May 2026, Amesite won its largest enterprise deployment, covering a 2,700-patient-census home care organization.
Sources: sec.gov · ir.amesite.com
Equity comp at Amesite Inc.
- Amesite operates three distinct equity instruments simultaneously: (1) stock options for employees with a vesting period that changed from 2 years in FY2023/FY2024 to 4 years in FY2025, all with 10-year terms; (2) annual RSU grants to directors (worth $100,000 per year) that vest on the one-year anniversary of grant; and (3) a Deferred Fee Plan for Directors under which outside directors may take their quarterly cash retainer as deferred stock units (DSUs, shares issued in lieu of cash that are held and delivered at a future date) instead, with settlement deferred until the director leaves the board or a change in control occurs. The 2018 Equity Incentive Plan provides no automatic acceleration upon a change in control at the plan level; acceleration requires explicit language in individual award agreements.
- Vesting schedule: Employee stock options shifted from 2-year vesting (no cliff documented) in FY2023/FY2024 to 4-year vesting in FY2025. Director RSUs vest on the one-year anniversary of grant..
Sources: sec.gov · sec.gov · sec.gov
Researched 2026-05-28.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Amesite Inc..
Amesite Inc. (AMST) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Amesite Inc. (AMST) RSUs vesting at $1.14 per share is $570 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$182), the post-tax share value is ~$388. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Amesite Inc. tools → · Use the generic RSU Sell-vs-Hold Calculator for any company.
Amesite Inc. equity questions
- Should I sell or hold my Amesite Inc. RSUs at vest?
- Amesite Inc. restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Amesite Inc. grant ISOs, NSOs, or RSUs?
- Equity compensation at Amesite Inc. typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
One piece of the puzzle.
OptionsAhoy plans your Amesite Inc. equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.