Free educational tool · Investing

RSU Planning Engine

Estimate vest income and identify withholding, basis, residency, and concentration issues.

Tax year 2026 · Last reviewed 2026-07-28 · Inputs stay in your browser

Investing · Educational Decision Engine

RSU Planning Engine

Model the ordinary-income, withholding, share-delivery, and concentration questions surrounding an RSU vest. This tool does not recommend whether to hold or sell employer stock.

Units expected to vestUse the number after expected forfeitures.

Expected fair market value per share at vestActual compensation depends on the employer’s vest-date valuation method.

Expected federal withholding rateEnter as a percentage, not a tax bracket.

Expected state/local withholding rateState sourcing may involve more than the residence state.

Expected employee payroll-tax withholding rateEnter the marginal payroll withholding expected after considering other wages.

Shares expected to be withheld or sold for taxesConfirm the plan’s rounding and settlement process.

Current or scenario price after vestUsed only to show unrealized movement after vest.

Services were performed in more than one state or country during vestingEquity compensation sourcing often follows work location over the vesting period.Employer stock would remain a concentrated positionInvestment suitability must be discussed with an investment professional.

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RSU Planning Engine

RSU Planning Engine

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Use this result to prepare for professional review—not to take a filing or transaction position.