SoFi Technologies (SOFI) RSU sell-vs-hold
Calculator · free · no signup · SOFISell at vest or hold? Compare after-tax payout from selling SoFi Technologies 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 SOFI today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in SOFI. 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 SoFi Technologies
SoFi Technologies (SOFI) is a public Fintech company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Jun 1, 2021.
Last close: $17.71 per share (as of 2026-06-17).
Equity grants at SoFi Technologies typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
SoFi Technologies, Inc. is an American financial technology company operating as a branchless bank. As of 2026, SoFi is the largest U.S.-based online lender, with nearly 15 million customers.
Source: Wikipedia (CC BY-SA 4.0)
In January 2022, SoFi became the first full-service fintech startup to receive a U.S. national bank charter, allowing it to hold loans on its own balance sheet and take FDIC-insured deposits without relying on bank partners. Founded in 2011 by four Stanford GSB alumni (Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady) as a student loan refinancing platform, the company expanded into mortgages, personal loans, checking and savings accounts, and stock and crypto trading. Anthony Noto became CEO in 2018 and drove the bank charter strategy. SoFi went public via SPAC as SOFI in June 2021 and reported $2.67 billion in revenue in 2024.
Sources: en.wikipedia.org · investors.sofi.com
Equity comp at SoFi Technologies
- 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 SoFi Technologies.
SoFi Technologies (SOFI) 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 SoFi Technologies (SOFI) RSUs vesting at $17.71 per share is $8,855 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$2,834), the post-tax share value is ~$6,021. 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 SoFi Technologies tools → · Use the generic RSU Sell-vs-Hold Calculator for any company.
SoFi Technologies equity questions
- Should I sell or hold my SoFi Technologies RSUs at vest?
- SoFi Technologies 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 SoFi Technologies grant ISOs, NSOs, or RSUs?
- Equity compensation at SoFi Technologies 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 SoFi Technologies RSUs use double-trigger vesting?
- No. SoFi Technologies 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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