RSU Net Proceeds Calculator
See estimated net shares and cash after taxes and withholding — useful for budgeting around vest dates.
After a vest you want to know what you actually keep — net shares or cash after estimated tax and sell-to-cover — not the headline grant value.
Gather before you start
- Expected value (shares × price).
- Salary and bonus for bracket context.
- Whether employer uses .
- Federal and state rates from prior vests if known.
Economic estimate only. Broker fees and plan rounding not fully modeled.
In plain terms
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.
Used for federal tax brackets and Medicare thresholds.
State tax uses a simplified flat effective rate when loaded. See calculator methodology for how state estimates work.
Expected W-2 salary for the year, before RSU vests. Improves the marginal-rate estimate.
Other ordinary wages expected this year.
Total fair market value of RSUs vesting, ordinary income at vest.
Required to estimate
Employers often use the IRS supplemental rate for RSU vests under $1M. Adjust if yours differs.
Default estimate for your state (2025): 10.2%. Edit if your employer uses a different rate.
Wages subject to Social Security so far. RSU vests count toward the wage base. Leave blank if unsure.
Taxes at vest are the same either way. This affects whether we show net shares or net cash.
Results will appear here once you enter the required details on the left.
Related guides
- RSU Tax Calculator
Model federal and state taxes on your RSU vest, compare withholding to estimated tax, and see what you may keep.
- RSU Sell-to-Cover Calculator
Model sell-to-cover mechanics — shares sold for withholding, shares delivered net, and cash you may still need.
- Should I Sell RSUs Immediately After Vesting?
Selling right after vest is a personal finance choice — tax at vest usually already happened; the sale may mostly affect capital gain or loss.
- Annual RSU Income Estimator
Total your expected RSU ordinary income for the year — a starting point before running detailed tax estimates.
How the tax works
Gross value is pre-tax compensation — not take-home.
and reduce what lands in your account.
Gap between and marginal tax affects cash you should set aside.
What to check on your end
- Estimated total tax on the .
- Estimated .
- Net shares or cash after tax.
- Tax gap if is flat supplemental rate.
Budgeting from the pre-tax vest dollar amount
What to pull from your files
- confirmation gross vs net.
- Pay stub lines.
- Brokerage account after delivery.
Example scenario (hypothetical)
Illustration only, not your tax situation.
Questions people ask
- Net proceeds vs RSU tax calculator?
- tax focuses on tax and breakdown. Net proceeds emphasizes what you keep after tax — use both for planning.
- Does this include capital gain if I hold?
- Tax at is modeled as wages. Future sale gain is a separate event — see guides when you sell.
When a CPA is worth it
- is a large portion of annual income.
- You plan to sell immediately and need combined plus sale modeling.
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
- RSU Tax Calculator
Model federal and state taxes on your RSU vest, compare withholding to estimated tax, and see what you may keep.
- RSU Sell-to-Cover Calculator
Model sell-to-cover mechanics — shares sold for withholding, shares delivered net, and cash you may still need.
- 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.
Related pages
- Should I Sell RSUs Immediately After Vesting?
Selling right after vest is a personal finance choice — tax at vest usually already happened; the sale may mostly affect capital gain or loss.
- How RSUs Are Taxed
RSUs are usually taxed as wages when they vest, not when the grant is signed. This guide walks through the timeline in plain terms.
- RSUs on W-2: What to Look For
Your W-2 should reflect RSU vest income in wages — know which boxes to check before filing.
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.