Annual RSU Income Estimator
Total your expected RSU ordinary income for the year — a starting point before running detailed tax estimates.
Rates and rules change. Content is reviewed for tax year 2026. Check the last-reviewed date and methodology on each page, then confirm against IRS or state guidance before you file.
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Planning estimate
Rough estimate for planning, not a filing number. Check your pay stubs, W-2, and a tax pro before you rely on it.
We do not pre-fill personal financial values. Estimates appear only after you enter your own numbers.
Enter your details to estimate
Add your equity, income, state, and withholding details to see an educational estimate. No personal financial values are pre-filled.
Start with the fields below.
Your details
Enter your own numbers below. This is an estimate, not a filing position.
Calculators pull rates from our tax-year files. For the most complete defaults, use 2025. Unloaded years ask you to enter rates yourself.
Vest events
Add salary to estimate total W-2 compensation.
Enter your top federal bracket to estimate the withholding gap on RSU income.
Results will appear here once you enter the required details on the left.
Related guides
- RSUs and Marginal Tax Rates
RSU vest income stacks on salary — your marginal rate on that vest slice may be higher than flat withholding.
- RSUs and Estimated Tax Payments
If withholding on a vest falls short, estimated payments may be part of staying on track before April.
- RSU Withholding Gap Calculator
Focus on the gap between what your employer withholds on RSU vests and what you may owe when everything is reconciled.
- RSU Tax Calculator
Model federal and state taxes on your RSU vest, compare withholding to estimated tax, and see what you may keep.
How the tax works
Each 's value is ordinary wage income for the year it vests.
income stacks on salary and bonus rather than being taxed in isolation.
Knowing the annual total helps you see whether you cross into a higher bracket.
value depends on future share prices, so any annual figure is an estimate.
What to check on your end
- All vests expected this calendar year and their rough value.
- Your salary and bonus to see the combined total.
- Whether the combined income reaches a higher bracket.
- How that compares to what is being withheld.
- Whether to adjust your W-4 or make estimated payments.
Common mistake
Example scenario (hypothetical)
Illustration only, not your tax situation.
When a CPA is worth it
- Your combined income may cross into a higher bracket.
- You are unsure whether is on track.
- You have multiple vests this year.
- You want to decide between W-4 changes and estimates.
Sources and notes
Primary tax claims on this page are supported by the official and secondary sources below. Broker and software links describe reporting mechanics — confirm rules against IRS or state guidance.
Calculator outputs are planning estimates with labeled assumptions — not a filing position.
- IRS Publication 15 (Circular E) — Supplemental wages
Internal Revenue Service · Official
Section 7 describes supplemental wage withholding, including the optional 22% flat rate and 37% rate above $1 million of supplemental wages in a calendar year.
- IRS Tax Withholding Estimator
Internal Revenue Service · Official
Tool to estimate whether paycheck withholding (including supplemental events) will cover annual tax liability.
Related calculators
Related pages
- RSUs and Marginal Tax Rates
RSU vest income stacks on salary — your marginal rate on that vest slice may be higher than flat withholding.
- RSUs and Estimated Tax Payments
If withholding on a vest falls short, estimated payments may be part of staying on track before April.
- RSU Tax Guide for High Earners
When RSUs are a large share of pay, withholding gaps and surtaxes deserve a deliberate plan.
For learning, not filing
VestingTax.com is not a CPA firm or tax preparer. Grants, employers, and states all differ. Use the cited IRS and state sources above, your own documents, and a qualified tax professional before you make decisions from this guide.