Otis Worldwide (OTIS) RSU sell-vs-hold
Calculator · free · no signup · OTISSell at vest or hold? Compare after-tax payout from selling Otis Worldwide 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 OTIS today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in OTIS. 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 Otis Worldwide
Otis Worldwide (OTIS) is a public Industrial company, incorporated in Delaware and headquartered in Farmington, CT.
Last close: $70.35 per share (as of 2026-08-19).
Equity grants at Otis Worldwide typically include restricted stock units (RSUs).
Otis Worldwide Corporation, doing business as its former legal name Otis Elevator Company and styled as OTIS, is an American company that develops, manufactures and markets elevators, escalators, moving walkways, and related equipment.
Source: Wikipedia (CC BY-SA 4.0)
Elisha Otis demonstrated a safety brake in 1854 that made passenger elevators possible, and the business was separated from United Technologies in 2020. The economics are unusual and attractive: new equipment is sold at modest margin to install a unit that then requires maintenance for decades, and service is about two thirds of revenue and roughly ninety percent of segment operating profit. Maintenance portfolio growth is therefore the metric that matters. Chinese property construction weakness has weighed on new equipment orders. Headquarters are in Farmington, Connecticut.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Otis Worldwide.
Otis Worldwide (OTIS) 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 Otis Worldwide (OTIS) RSUs vesting at $70.35 per share is $35,175 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$11,256), the post-tax share value is ~$23,919. 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 Otis Worldwide tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Otis Worldwide equity questions
- Should I sell or hold my Otis Worldwide RSUs at vest?
- Otis Worldwide 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 Otis Worldwide grant ISOs, NSOs, or RSUs?
- Equity compensation at Otis Worldwide typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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