KeyCorp (KEY) RSU sell-vs-hold
Calculator · free · no signup · KEYSell at vest or hold? Compare after-tax payout from selling KeyCorp 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 KEY today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in KEY. 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 KeyCorp
KeyCorp (KEY) is a public Fintech company, incorporated in Ohio and headquartered in Cleveland, OH.
Last close: $22.79 per share (as of 2026-08-19).
Equity grants at KeyCorp typically include restricted stock units (RSUs).
KeyBank is an American regional bank, headquartered in Cleveland, Ohio. Formed by the 1994 merger of the Society Corporation and KeyCorp, KeyBank is the 27th largest bank in the United States. The company today operates nearly 1,000 branches and over 1,200 ATMs across the Midwest, the Pacific Northwest and Northeast United States as well as in Alaska, Colorado, Texas and Utah.
Source: Wikipedia (CC BY-SA 4.0)
The bank traces to a 1994 merger of Society Corporation and KeyCorp and operates a branch network concentrated in the Midwest and Northeast, paired with a commercial investment bank focused on mid-sized companies. That advisory business distinguishes it from regional peers, adding fee income tied to deal activity. Laddered securities portfolios and deposit costs determine spread income. A minority investment from Scotiabank in 2024 strengthened capital. Headquarters are in Cleveland.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by KeyCorp.
KeyCorp (KEY) 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 KeyCorp (KEY) RSUs vesting at $22.79 per share is $11,395 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$3,646), the post-tax share value is ~$7,749. 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 KeyCorp tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
KeyCorp equity questions
- Should I sell or hold my KeyCorp RSUs at vest?
- KeyCorp 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 KeyCorp grant ISOs, NSOs, or RSUs?
- Equity compensation at KeyCorp typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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