ResMed (RMD) RSU sell-vs-hold

Calculator · free · no signup · RMD

Sell at vest or hold? Compare after-tax payout from selling ResMed RSUs at vest vs. holding through the LTCG cliff at 12 months.

Beta · invite-only · AlphaLatitude Inc. · Free Tools

Your vest

pre-IPO? enter price manually

Tax inputs

Hold strategy

1 yr
20%
20%
10.0%

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.

This vest pushes your top federal rate from 24% to 35%. Hover the Federal value below for the bracket-by-bracket slicing.

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 RMD today.

Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in RMD. 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.

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Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator

About ResMed

ResMed (RMD) is a public Other company, incorporated in Delaware and headquartered in San Diego, CA.

Equity grants at ResMed typically include restricted stock units (RSUs).

ResMed Inc. is a medical equipment company based in San Diego, California, and founded in Australia. It primarily provides cloud-connectable medical devices for the treatment of sleep apnea, chronic obstructive pulmonary disease (COPD), and other respiratory conditions. Resmed produced hundreds of thousands of ventilators and bilevel devices to help treat the respiratory symptoms of patients with COVID-19. Resmed also provides software to out-of-hospital care agencies to streamline transitions of care into and between these care settings for seniors and their care providers.

Source: Wikipedia (CC BY-SA 4.0)

Peter Farrell founded the company in Sydney in 1989 to commercialize continuous positive airway pressure, the sleep apnea treatment developed by Colin Sullivan at the University of Sydney. Masks and flow generators are sold with cloud connectivity that reports adherence data to physicians and payers, which is what insurers require for reimbursement. A competitor's 2021 recall shifted substantial share to ResMed. Software for home medical equipment providers and out-of-hospital care extends the business. Headquarters are in San Diego with a dual listing in Australia.

Sources: resmed.com · en.wikipedia.org

Equity comp at ResMed

  • 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 2026-08-17.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by ResMed.

ResMed (RMD) 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 ResMed tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

ResMed equity questions

Should I sell or hold my ResMed RSUs at vest?
ResMed 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 ResMed grant ISOs, NSOs, or RSUs?
Equity compensation at ResMed typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do ResMed RSUs use double-trigger vesting?
No. ResMed 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.
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