RSU Tax Calculator
Estimate the tax on vesting restricted stock units (RSUs): the value taxed as income, the shares withheld at the supplemental rate, and any shortfall at your real rate.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter the shares vesting and the share price on the vest date.
- 2Enter your employer's withholding rate and your expected marginal tax rate.
How it's calculated
Taxable income = shares × vest price. Withheld = income × withholding rate. Shortfall = income × (your marginal rate − withholding rate) if positive.
Frequently asked questions
Why do I owe more at tax time?
US employers typically withhold federal tax on RSUs at the 22% supplemental rate. If your marginal rate is 32% or 35%, the difference is due when you file.
Is there more tax when I sell?
Only on any gain above the vest-date price (your cost basis). Selling at vest usually means little or no extra capital gains tax.
What about Social Security and Medicare?
FICA taxes also apply at vest. Enter them as part of your withholding and marginal rates if you want a combined figure.