Fastenal (FAST) RSU sell-vs-hold
Calculator · free · no signup · FASTSell at vest or hold? Compare after-tax payout from selling Fastenal 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 FAST today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in FAST. 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 Fastenal
Fastenal (FAST) is a public Industrial company, incorporated in Minnesota and headquartered in Winona, MN.
Equity grants at Fastenal typically include restricted stock units (RSUs).
Fastenal Company is an American publicly traded company based in Winona, Minnesota, founded in 1967. Fastenal is a major distributor of industrial and construction supplies, and the largest fastener distributor in North America. Fastenal provides supply chain solutions including bin stock, vending machines, inventory management, and logistics services. Fastenal placed 479 in the 2021 Fortune 500 based on its 2020 revenues, and its stock is a component of the Nasdaq 100 and S&P 500 stock market indices. Fastenal had 3,334 in-market locations as of March 2023.
Source: Wikipedia (CC BY-SA 4.0)
Bob Kierlin founded the company in Winona, Minnesota in 1967 to sell nuts and bolts, and it grew into an industrial distributor by placing inventory as close to the customer as possible. Onsite locations inside customer plants and vending machines dispensing gloves, drill bits, and safety supplies now drive a large share of sales, turning a distributor into embedded infrastructure. That proximity model raises switching costs. Headquarters remain in Winona, and results track manufacturing and construction activity.
Sources: fastenal.com · en.wikipedia.org
Equity comp at Fastenal
- 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 Fastenal.
Fastenal (FAST) 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.
All Fastenal tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Fastenal equity questions
- Should I sell or hold my Fastenal RSUs at vest?
- Fastenal 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 Fastenal grant ISOs, NSOs, or RSUs?
- Equity compensation at Fastenal typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Fastenal RSUs use double-trigger vesting?
- No. Fastenal 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 companyIndustrials peers
One piece of the puzzle.
OptionsAhoy plans your Fastenal equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.