RSU Calculator
Calculate the value of your restricted stock units at vesting and understand the full tax impact — from ordinary income at vesting to capital gains when you sell. Adjust grant size, vesting schedule, growth assumptions, and tax rates to see your potential after-tax proceeds.
How RSUs are taxed
Restricted Stock Units (RSUs) are taxed as ordinary income at vesting, based on the fair market value of the shares on that date. After vesting, any additional appreciation is taxed as a capital gain when you sell. The cliff period determines your initial vesting threshold, after which shares vest gradually over the remaining vesting period.
Key insight: The tax at vesting (ordinary income) is typically the largest tax bite. Holding shares after vesting can trigger additional capital gains tax on appreciation, but may also qualify for lower long-term capital gains rates if held over a year.
RSU Calculator — Restricted Stock Unit Value & Tax
Free RSU calculator. Estimate restricted stock unit value at vesting, ordinary income tax, capital gains tax, and after-tax proceeds. Plan your equity compensation strategy.