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RSU Tax Calculator
Calculate federal, state, FICA, and AMT exposure on Restricted Stock Units at vest and sale. Captures the under-withholding gap most RSU recipients miss.
FINANCECalculate federal, state, FICA, and AMT exposure on Restricted Stock Units at vest and sale. Captures the under-withholding gap most RSU recipients miss.
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
Disclaimer: Estimate only. Consult a qualified professional for decisions with major financial, legal, or health consequences.
RSU Tax Calculator
RSUs are taxed as ordinary income at vest. Employer typically withholds at flat 22% (federal supplemental rate) — but your marginal rate may be 32-37%, creating a tax shortfall at year-end.
22% is the flat supplemental rate up to $1M; 37% above.
Total Tax Owed at Vest
$72,975
RSU value at vest$150,000
Federal income tax$48,000
State income tax$13,500
FICA (7.65%)$11,475
Employer withholds$57,975
Shortfall (owe at tax time)$15,000
To cover the shortfall: sell more shares at vest (sell-to-cover plus extra), increase W-4 federal withholding, or make a 4th-quarter estimated payment by Jan 15.
Frequently Asked Questions
What is the RSU Tax Calculator for?
Calculate federal, state, FICA, and AMT exposure on Restricted Stock Units at vest and sale. Captures the under-withholding gap most RSU recipients miss.
How do I use the RSU Tax Calculator?
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
How accurate are my rsu tax results?
Estimate only. Consult a qualified professional for decisions with major financial, legal, or health consequences.
Is the RSU Tax Calculator free to use?
Yes - every calculator on WhichCalc is completely free with no signup, no usage limits, and no tracking on the calculation itself. Results display instantly in your browser and your inputs are never sent to a server. Bookmark the page if you use this calculator regularly.