RSU Calculator
What a restricted stock unit vest is worth after withholding, and how many shares are withheld to cover it. The 22% statutory supplemental rate usually under-withholds a high earner, which is why the tax bill arrives later.
| Component | Value |
|---|---|
| Gross | $150,000 |
| Federal | $33,000 |
| State | $7,500 |
| Net | $109,500 |
shares × price · Ordinary income at vest.
gross × (federal + state) · Flat supplemental rate.
A clear path from inputs to results.
What a restricted stock unit vest is worth after withholding, and how many shares are withheld to cover it. The 22% statutory supplemental rate usually under-withholds a high earner, which is why the tax bill arrives later.
How to use
- Set shares vesting.
- Set share price ($).
- Set federal withholding (%).
- Set state withholding (%).
- Read the headline metrics, then check the table for the detail.
The formula
Reference: Ordinary income at vest; flat supplemental withholding rate.
Worked example
At the default inputs
- Shares vesting: 1000; Share price ($): 150; Federal withholding (%): 22; State withholding (%): 5
- 1
Gross value: $150,000 · Withheld: $40,500 · Net value: $109,500 · Shares withheld: 270
Gross value: $150,000 · Withheld: $40,500 · Net value: $109,500
Interpreting the result
1000 shares at $150.00 vest at $150,000, with $40,500 withheld.
Assumptions & limitations
- Withholding is at the flat supplemental rate.
- No sell-to-cover price movement.
Frequently asked questions
Why do I owe more tax at filing?
The 22% flat rate is below the marginal rate for many earners, so the difference is settled at filing.
Are RSUs taxed at grant or vest?
At vest, as ordinary income; later gains are capital gains.
Methodology last reviewed 2026-10-22. Results are informational and not financial or engineering advice — see our disclaimer.