Fusemachines Inc. (FUSE) RSU sell-vs-hold
Calculator · free · no signup · FUSESell at vest or hold? Compare after-tax payout from selling Fusemachines Inc. RSUs at vest vs. holding through the LTCG cliff at 12 months.
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Your vest
Tax inputs
Hold strategy
@ 20.0% / yr
Best after-tax payout — at year 1 yr
$47,823
Sell + invest wins by $4,992 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 32.6%, owing $26,065. Expect to settle the $8,465 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,615 in after-tax cash and buying $44,615 of FUSE today.
Most diversification frameworks would suggest no, but the right answer depends on your conviction in FUSE. 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% | $4,462 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,254 |
| Net at year 1 yr | $47,823 |
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 | $42,830 |
Sold 442 shares to cover vest tax (net-settled); kept 558 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.
About Fusemachines Inc.
Fusemachines Inc. (FUSE) is a public AI company, headquartered in Fort Lauderdale, FL. IPO'd Oct 23, 2025.
Equity grants at Fusemachines Inc. typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Fusemachines Inc., founded in 2013 by Dr. Sameer Maskey, a Columbia University computer science PhD, provides enterprise AI products and services built on its AI Studio platform, serving clients in healthcare, finance, retail, and manufacturing across North America, Asia, and Latin America. The company also runs an AI Fellowship Program training professionals in the U.S., Nepal, and the Dominican Republic. In 2025 Fusemachines merged with a SPAC in a deal valuing the business at $200 million and listed on Nasdaq under the ticker FUSE, becoming the first Nepal-founded AI company on a U.S. exchange.
Sources: fusemachines.com · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Fusemachines Inc..
Fusemachines Inc. (FUSE) is a public AI company. IPO'd Oct 23, 2025. 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 Fusemachines Inc. tools → · Use the generic RSU Sell-vs-Hold Calculator for any company.
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