Flex (FLEX) RSU sell-vs-hold
Calculator · free · no signup · FLEXSell at vest or hold? Compare after-tax payout from selling Flex 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 FLEX today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in FLEX. 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 Flex
Flex (FLEX) is a public Hardware company, incorporated in Singapore and headquartered in Austin, TX.
Last close: $120.24 per share (as of 2026-08-18).
Equity grants at Flex typically include restricted stock units (RSUs).
Flex Ltd. is a Singapore-domiciled multinational manufacturing company. It is the world's third largest global electronics manufacturing services (EMS), original design manufacturer (ODM) company by revenue, behind only Pegatron. Flex's U.S. corporate headquarters are located in Austin, Texas. The company has manufacturing operations in over 30 countries, and employs about 172,000 people.
Source: Wikipedia (CC BY-SA 4.0)
Founded in Silicon Valley in 1969 and later redomiciled to Singapore, the company builds products other companies design, running electronics manufacturing for customers across automotive, medical, industrial, and cloud infrastructure. Contract manufacturing is a scale business with thin margins, so the strategy has been to move up into higher-value segments where engineering content and regulatory qualification make a customer harder to move. Medical devices and automotive electronics carry longer design cycles and stickier relationships than consumer hardware. Data-center power and cooling products have become the growth line. Headquarters are in Austin, Texas.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Flex.
Flex (FLEX) 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 Flex (FLEX) RSUs vesting at $120.24 per share is $60,120 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$19,238), the post-tax share value is ~$40,882. 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 Flex tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Flex equity questions
- Should I sell or hold my Flex RSUs at vest?
- Flex 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 Flex grant ISOs, NSOs, or RSUs?
- Equity compensation at Flex typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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