ServiceTitan (TTAN) RSU sell-vs-hold
Calculator · free · no signup · TTANSell at vest or hold? Compare after-tax payout from selling ServiceTitan 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 TTAN today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in TTAN. 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 ServiceTitan
ServiceTitan (TTAN) is a public Vertical SaaS company, incorporated in Delaware and headquartered in Glendale, CA. IPO'd Dec 12, 2024.
Last close: $68.8 per share (as of 2026-06-16).
Equity grants at ServiceTitan typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
ServiceTitan, Inc. is an American cloud-based software company headquartered in Glendale, California. It provides customer relationship management (CRM) software for tradespersons, with applications focused on sales, customer service, marketing automation, e-commerce and analytics.
Source: Wikipedia (CC BY-SA 4.0)
Ara Mahdessian and Vahe Kuzoyan founded ServiceTitan in 2007 after watching their fathers run small home-services businesses on paper and spreadsheets. The platform digitizes scheduling, invoicing, payments, and customer communication for HVAC, plumbing, electrical, and other trade contractors. ServiceTitan raised more than $1.5 billion across 10 private rounds backed by Sequoia, Bessemer, TPG, Iconiq Growth, and Tiger Global, then went public on Nasdaq in December 2024 at a $71 IPO price that opened at $101 for a valuation near $9 billion. The platform served roughly 11,800 trade businesses as of January 2025, with about 8,000 producing more than $10,000 in annualized billings.
Sources: cnbc.com · fortune.com · sec.gov
Equity comp at ServiceTitan
- 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 ServiceTitan.
ServiceTitan (TTAN) 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 ServiceTitan (TTAN) RSUs vesting at $68.8 per share is $34,400 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$11,008), the post-tax share value is ~$23,392. 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 ServiceTitan tools → · Use the generic RSU Sell-vs-Hold Calculator for any company.
ServiceTitan equity questions
- Should I sell or hold my ServiceTitan RSUs at vest?
- ServiceTitan 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 ServiceTitan grant ISOs, NSOs, or RSUs?
- Equity compensation at ServiceTitan 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.
- When did the ServiceTitan IPO lockup expire?
- ServiceTitan (TTAN) went public on December 12, 2024. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around June 10, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do ServiceTitan RSUs use double-trigger vesting?
- No. ServiceTitan 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 ServiceTitan equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.