RSU Vesting Schedule Calculator
Build a vest timeline from grant inputs — not a tax estimate, but a schedule for planning around upcoming vests.
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
This is a planning schedule, not a tax estimate or a prediction. Future share prices are unknown, so projected values are illustrative only.
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.
Required to estimate
Usually the grant or vesting commencement date.
How often shares vest after any cliff.
Total length of the vesting schedule, e.g. 4 years.
Required to estimate
Months before the first vest. Leave blank or 0 for no cliff.
Used to value shares. Held flat unless you add a growth assumption.
Required to estimate
Speculative only. Set to zero to value every vest at today's price.
Results will appear here once you enter the required details on the left.
Related guides
- What Happens When RSUs Vest?
On vest day your employer typically reports wage income, withholds tax, and may sell shares — here is what to expect.
- RSU Tax Checklist Before a Vesting Date
A short checklist so vest day is not a surprise — confirm withholding settings and whether you need extra cash on hand.
- Annual RSU Income Estimator
Total your expected RSU ordinary income for the year — a starting point before running detailed tax estimates.
- 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
Grants on a schedule, often a one-year cliff followed by monthly or quarterly .
Several grants and refreshers can overlap, concentrating value in some years.
value depends on the share price on each , which you cannot know in advance.
Seeing the timeline helps you anticipate which years may have unusually large income.
What to check on your end
- Your , cliff date, and frequency.
- The number of shares at each date.
- Whether multiple grants in the same calendar year.
- That share value on future dates is unknown, use it as a planning range, not a fact.
- How a heavy year might affect your bracket and .
Common mistake
Example scenario (hypothetical)
Illustration only, not your tax situation.
When a CPA is worth it
- Multiple grants will in one year.
- A heavy year may change your bracket.
- You are timing a job change around dates.
- You want to plan ahead of large vests.
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
- What Happens When RSUs Vest?
On vest day your employer typically reports wage income, withholds tax, and may sell shares — here is what to expect.
- RSU Tax Checklist Before a Vesting Date
A short checklist so vest day is not a surprise — confirm withholding settings and whether you need extra cash on hand.
- RSU Tax Guide for Public Company Employees
Public company RSUs follow a familiar W-2 plus 1099-B pattern — master basis adjustments early.
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.