Joby Aviation (JOBY) RSU sell-vs-hold
Calculator · free · no signup · JOBYSell at vest or hold? Compare after-tax payout from selling Joby Aviation 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 JOBY today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in JOBY. 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 Joby Aviation
Joby Aviation (JOBY) is a public Aerospace/Defense company, incorporated in Delaware and headquartered in Santa Cruz, CA. IPO'd Aug 11, 2021.
Last close: $9.34 per share (as of 2026-06-17).
Equity grants at Joby Aviation typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
Joby Aviation, Inc. is an American venture-backed aviation company, developing an electric vertical takeoff and landing (eVTOL) aircraft that it intends to operate as an air taxi service. Joby Aviation is headquartered in Santa Cruz, California and has offices in San Carlos, California; Marina, California; and Munich, Germany.
Source: Wikipedia (CC BY-SA 4.0)
Founded in 2009 by JoeBen Bevirt on his family's Santa Cruz ranch, Joby Aviation builds the S4, a five-seat eVTOL air taxi with six tilting prop-rotors, roughly 150-mile range, and 200 mph cruise. The company went public on NYSE in August 2021 via SPAC merger with Reinvent Technology Partners. Toyota has committed $894 million across multiple tranches and now holds Joby's largest equity stake. In March 2026 the FAA cleared Stage 4 of type certification, putting commercial launch on track for late 2026 with Delta in New York and Los Angeles, alongside service rollouts in Dubai and Saudi Arabia.
Sources: jobyaviation.com · cnbc.com · aircraftinsider.com
Equity comp at Joby Aviation
- 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 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Joby Aviation.
Joby Aviation (JOBY) 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 Joby Aviation (JOBY) RSUs vesting at $9.34 per share is $4,670 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$1,494), the post-tax share value is ~$3,176. 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 Joby Aviation tools → · Use the generic RSU Sell-vs-Hold Calculator for any company.
Joby Aviation equity questions
- Should I sell or hold my Joby Aviation RSUs at vest?
- Joby Aviation 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 Joby Aviation grant ISOs, NSOs, or RSUs?
- Equity compensation at Joby Aviation 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.
- Do Joby Aviation RSUs use double-trigger vesting?
- No. Joby Aviation 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.
One piece of the puzzle.
OptionsAhoy plans your Joby Aviation equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.