Aptiv (APTV) RSU sell-vs-hold
Calculator · free · no signup · APTVSell at vest or hold? Compare after-tax payout from selling Aptiv 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 APTV today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in APTV. 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 →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Aptiv
Aptiv (APTV) is a public Automotive company, incorporated in Jersey and headquartered in Schaffhausen, Switzerland.
Last close: $48.6 per share (as of 2026-08-19).
Equity grants at Aptiv typically include restricted stock units (RSUs).
Aptiv PLC is a supplier of automotive technology and components. It is organized in Jersey and is a resident of Schaffhausen, Switzerland, for tax purposes. The company operates 139 major manufacturing facilities and 11 major technical centers and has a presence in 50 countries.
Source: Wikipedia (CC BY-SA 4.0)
Delphi split in 2017, and this half kept the electrical architecture and software that make a vehicle's electronics work rather than the powertrain components. Wiring harnesses, connectors, and the software that manages them grow in content per vehicle as cars add sensors and driver assistance, so revenue can rise even when unit production does not. Electric vehicles require substantially more electrical content than combustion ones. The company is incorporated in Jersey. Headquarters are in Schaffhausen, Switzerland.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Aptiv.
Aptiv (APTV) 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 Aptiv (APTV) RSUs vesting at $48.6 per share is $24,300 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$7,776), the post-tax share value is ~$16,524. 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 Aptiv tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Aptiv equity questions
- Should I sell or hold my Aptiv RSUs at vest?
- Aptiv 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 Aptiv grant ISOs, NSOs, or RSUs?
- Equity compensation at Aptiv typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
One piece of the puzzle.
OptionsAhoy plans your Aptiv equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.