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.
Tax rules change. Federal and state rates, brackets, and reporting rules are updated regularly. This site is not always current. check dates below and verify with official sources or a qualified tax professional.
See something outdated?
Tax rules change faster than websites update. If a rate or date looks wrong, let us know.
Update needed? Contact usEducational estimate only
Educational estimate only, not tax advice. Your actual tax bill depends on your full-year income, deductions, credits, and how your employer reports withholding. Confirm numbers with your pay stubs, W-2, and a tax professional.
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 and brackets from centralized tax-year files. For planning, use 2025. the latest year with loaded assumptions. Unloaded years require manual rate entry.
Used for federal tax brackets and Medicare thresholds.
State tax uses a simplified flat effective rate when loaded.
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.
Used when federal bracket estimate is unavailable. When loaded, brackets take precedence.
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.
- Why Was My RSU Withholding Only 22%?
Employers commonly use flat supplemental rates on RSU vests. Your actual tax can be higher if you are in a higher bracket.
- 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 Refund vs Tax Bill Explained
Withholding, other deductions, and basis fixes all shape whether RSUs leave you with a refund or a bill.
Related pages
- Why Was My RSU Withholding Only 22%?
Employers commonly use flat supplemental rates on RSU vests. Your actual tax can be higher if you are in a higher bracket.
- 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 Refund vs Tax Bill Explained
Withholding, other deductions, and basis fixes all shape whether RSUs leave you with a refund or a bill.