RSU Tax Calculator
Estimate the taxes withheld when your RSUs vest, and see the net value and share count you actually keep. US federal, state, Social Security and Medicare included.
Estimated result
Effective withholding: 38.6%- Gross vest value
- $60,000
- Federal (22%)
- − $13,200
- State (9%)
- − $5,400
- Social Security (6.2%)
- − $3,720
- Medicare (1.45% + 0.9%)
- − $870
- Total tax withheld
- − $23,190
- Net take-home value
- $36,810
- Net shares (after sell-to-cover)
- 306.75 shares
Estimate only. RSUs are taxed as ordinary income at vest. Employers typically withhold federal tax at the 22% supplemental rate (37% above $1M), which is often lower than your actual marginal rate — meaning you may owe more at tax time. Talk to a tax professional for personal advice.
How RSU taxes work
When RSUs vest, the full market value is treated as ordinary W-2 wages. Your employer withholds federal income tax (usually the 22% supplemental rate), state income tax, Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus an additional 0.9% on wages above $200,000). If your marginal bracket is higher than 22%, the withholding won't cover your full bill.
What this calculator does
It multiplies your vesting shares by the price at vest, then applies federal, state, Social Security and Medicare rates to estimate withholding and the net value you keep. Enter other YTD wages so we can cap Social Security at the wage base and add the extra 0.9% Medicare once you cross $200,000 in combined wages.
Related guides
RSUs are taxed as ordinary income at vesting, not at grant or sale. Learn the mechanics, see a worked example, and avoid the common mistakes.
What is the RSU withholding rate, and why might it be wrong for you?RSUs are withheld at a flat 22% federal rate, but that's often below your real bracket. Learn why, and how to avoid a surprise tax bill.
Should you sell or hold RSU shares at vesting?Should you sell or hold RSU shares at vesting? The tax is already paid either way. Here are 4 approaches, with a clear default recommendation.
How to report RSU sales on your tax returnThe vest income is already on your W-2. The sale goes on Form 8949 — with a cost basis your broker probably understated.