RSU Tax Calculator 2025/2026 —
Free Equity Compensation Optimizer
See your exact federal, state & FICA tax on every RSU vest — and close the withholding gap before it blindsides you at filing.
Presets for Meta, Google, Amazon, Apple, NVIDIA & Microsoft.
⚡ TL;DR — What Does This Tool Do?
This free RSU Tax Calculator instantly computes how much of your restricted stock unit vesting
income goes to federal taxes (10–37%), state taxes (0–13.3%), Social Security (6.2% up to $184,500
wage base), and Medicare (1.45% + 0.9% above $200K) — then shows your exact withholding gap.
Results update in seconds for all 50 states, with company-specific vesting schedule presets
for Meta, Google, Amazon, Apple, NVIDIA, and Microsoft. Educational purposes only — discuss results with your CPA.
RSU & Equity Compensation Optimizer
USA Tax Year 2025/2026 · IRS-Cited Formulas · All calculations run locally in your browser.
📊 Your RSU Tax Breakdown
Federal & FICA Taxes on RSU Income
Withholding Analysis
Tax Breakdown
📅 Full Vest Schedule Calendar
Update FMV for each vest date for precision
| Vest Date | Year | Shares | Gross Income | Net After Tax | Eff. Rate |
|---|
Vest Schedule — Gross vs. Net
Unlock Deeper Analysis
Available with Premium ($29/month). Cancel anytime. 30-day money-back.
- 🔒
Sell vs. Hold Analyzer — Model LTCG tax treatment vs. selling at vest.
- 🔒
Mega Backdoor Roth Optimizer — Maximize §415(c) after-tax Roth contributions.
- 🔒
Multi-Grant Consolidator — Stack up to 10 RSU grants, see combined tax exposure.
- 🔒
Quarterly Estimated Tax Calculator — Exact Form 1040-ES amounts per quarter.
30-day money-back · Cancel anytime
💾 Saved Scenarios
Simple, Transparent Pricing
- ✓ Federal + state + FICA tax breakdown
- ✓ Withholding gap calculation
- ✓ Vest schedule calendar
- ✓ Company presets (Meta, Google, Amazon, Apple, NVIDIA, MSFT)
- ✓ Tax charts + PDF report
- ✓ No login required
- ✓ Everything in Free
- ✓ Sell vs. Hold Analyzer
- ✓ Mega Backdoor Roth Optimizer
- ✓ Multi-Grant Consolidator
- ✓ Quarterly Estimated Tax Calculator
- ✓ 4-Year Projection Chart
- ✓ Unlimited scenario saves
No commitment · Cancel anytime