RSU Calculator
RSU Calculator
Net shares value after federal, FICA, and state withholding at vest — plus a capital gain preview if you hold.
Net shares value after federal, FICA, and state withholding at vest — plus a capital gain preview if you hold.
We Are Calculator
Professional Financial Tools
8/25/2026
The stock's closing price on the vest date — this is your cost basis for any shares you keep.
Used to check your remaining Social Security wage base and the Additional Medicare threshold.
Bonuses, commissions, and prior RSU vests this year — separate from regular wages. Only matters once your total supplemental wages pass $1M.
Check your state's specific supplemental wage rate — not every state has one, and it isn't always the same as your regular state income tax rate.
Most sell-to-cover or sell-all plans mean no capital gain or loss, since your sale price equals your cost basis.
100 shares × $50 fair market value per share.
Effective withholding rate of 29.6% across federal, FICA. This is withholding, not your final tax bill — reconcile on your return.
Flat 22% optional flat rate on supplemental wages — this is a withholding rate, not necessarily your marginal tax rate.
$184,500 2026 wage base, $104,500 of it remaining before this vest.
No wage cap.
Free financial calculators, verified against primary sources like the IRS, CFPB and Federal Reserve. No sign-up, and every calculation runs entirely in your browser — nothing you type is ever sent to us.
Picked based on what this calculator does
Take-home pay after federal, state & FICA taxes.
Open calculatorShares purchased at your plan discount, split into ordinary income and capital gain by qualifying vs. disqualifying disposition.
Open calculatorNew salary, extra take-home pay, and the real value of a raise after inflation.
Open calculatorEstimate a severance package and its after-tax value.
Open calculatorSE tax (Social Security + Medicare) plus an optional combined federal income tax estimate for 1099 and freelance income.
Open calculatorExercise spread as ordinary income, full withholding breakdown, and net cash from a cashless exercise-and-sell.
Open calculatorThe RSU Calculator helps you take control of your day-to-day financial life. It provides instant, accurate results and helps you model scenarios so you can make better decisions with your money.
Personal finance is 90% behavior and 10% math. Simple rules — paying yourself first, spending less than you earn, avoiding high-interest debt — beat complex strategies. This tool gives you the numerical clarity to make those behavior changes stick.
Most personal finance decisions come down to three equations:
Your savings rate is the single most predictive number. A 10% savings rate means working 45 years to retire. A 50% rate cuts that to 17 years, per research from Mr. Money Mustache applying the 4% rule.
Your results show how today's choices compound. Focus on:
3 months of essential expenses if you have stable W-2 income; 6–12 months if self-employed or commission-based. Keep it in a high-yield savings account (currently ~4–5% APY), not checking.
The US personal savings rate averages 4–5%. 15% is good. 25%+ puts you on an early-retirement trajectory. 50%+ is typical of FIRE movement practitioners and requires aggressive lifestyle design.
Both work. Detailed budgets (every dollar) catch leaks. "Pay yourself first + track totals" is easier to maintain. Pick the method you'll actually do for 12+ months.
Calculate a 12-month rolling average. Pay yourself a consistent "salary" from a buffer account. Save every dollar above that average during good months for lean months.