Your hard-earned equity.
A clearer picture.
Know what your RSUs are really worth—and what
your company's withholding might miss.
From vesting to what's yours.
Your vesting event
A little context. A lot more clarity.
Your tax picture
Your numbers stay in your browser. Nothing is saved until you choose to save a scenario.
After-tax equity value
From $60,000 in vested RSUs
Your estimated tax exceeds this vest’s withholding. Consider this gap in your broader tax plan.
Where the money goes
EST. TAX- Federal income tax
- $17,770
- State income tax · flat estimate
- $5,580
- Social Security
- $0
- Medicare
- $870
- Additional Medicare
- $540
- Total estimated tax 41.3% effective
- $24,760
- Estimated / entered withholding
- $21,879
Federal marginal rate after this vest: 32.0%
See the calculation assumptions
Federal tax = annual federal income tax with this vest − annual federal income tax without it. The standard deduction is $16,100 single or $32,200 joint. Other annual RSUs enter the baseline; your pre-vest wages instead determine payroll withholding timing. State tax = vesting value × your flat rate. Annual Social Security uses your wages only. Joint Additional Medicare includes spouse wages; employer withholding uses your own $200,000 threshold.
After-tax value is an economic estimate, not cash deposited. The gap covers this RSU event, not your final tax bill.
What if the stock moves?
Three possibilities. One clearer plan.
$28,478
after-tax equity value
$35,240
after-tax equity value
$42,002
after-tax equity value
Hypothetical prices at vesting, not price forecasts. Each scenario recalculates the same year's incremental taxes; this comparison shows tax liability, not withholding. Actual withholding overrides are not used. A dash indicates a scenario outside supported input limits.
Value isn't always
cash in the bank.
How your company handles withholding changes what you receive at vesting. Here's what your current estimate looks like.
Understand the detailsAssumes whole shares are sold or withheld, rounded up at your entered price. Any excess is returned as cash; employer rounding may differ. Estimated rounding cash: $21. All strategies leave the same modeled tax liability.
Built for clarity.
Grounded in the rules.
Federal tax is calculated as the difference between your annual tax with and without this vest, using 2026 brackets and the standard deduction. Payroll withholding is calculated separately. State tax uses your editable flat-rate assumption.
A few good questions.
Is 22% withholding enough?
Sometimes. The flat 22% supplemental wage withholding rate is a prepayment, not your final tax rate. Higher annual income can mean higher incremental federal tax. Eligible supplemental wages over $1 million in a year are subject to 37% withholding on the excess.
Why do I pay tax before selling my shares?
For ordinary stock-settled RSUs, the value when the shares vest and settle is generally wage income. Selling later can create a separate capital gain or loss relative to the vesting value. This calculator models the wage-income event, not a later sale.
Why is my Social Security estimate different from withholding?
Annual liability uses the RSU holder’s yearly wages and the $184,500 wage base for 2026. This vest’s withholding uses wages earned before this event at the same employer. The timing can produce a difference. Spouse wages do not share your Social Security wage cap.
What does this calculator leave out?
It assumes a U.S. tax resident, ordinary listed-company RSUs, and full-year single-state wages. It excludes city taxes, California SDI, credits, itemized deductions, AMT, investment taxes, capital gains, multi-employer adjustments, cross-border and multi-state sourcing. State estimates are flat-rate assumptions, including California and New York. It does not calculate estimated-payment safe harbor or a full tax return.
Are my salary and stock details saved?
Your calculation runs in your browser. Inputs are not automatically saved. Saving a named scenario stores its inputs in this browser’s local storage; you can remove one or all saved scenarios. CSV and printed reports include financial figures, so keep those files private.