An educational estimate — not advice.

Not professional advice

The information and estimates on this site are provided for general educational purposes only. They are not tax, legal, financial, or investment advice, are not a substitute for advice from a qualified professional, and don’t create any advisory relationship. RSU decisions have real financial consequences — before you act, confirm your situation with a CPA or tax professional who handles equity compensation.

Estimates, not filing calculations

The calculator produces an estimate, not a return, a determination, or a guarantee of any tax amount. In particular:

• Federal tax. Figures use the 2026 IRS federal brackets (Rev. Proc. 2025-32) applied to the income you enter. Your actual liability depends on your full return — deductions, credits, other income, and items this tool doesn’t model.
• State tax. State income tax is approximated at a representative top marginal rate from published state supplemental withholding rates, and excludes local and city taxes (for example, New York City or certain Maryland counties). Your real state liability will differ.
• Supplemental withholding and the $1M cliff. Employer withholding uses the flat 22% federal supplemental rate, rising to 37% on cumulative supplemental wages above $1,000,000 per calendar year. Your employer’s actual method and rounding of withheld shares may vary.
• Additional Medicare Tax and capital gains. The 0.9% Additional Medicare Tax and any capital gains on shares held after vest depend on thresholds, your holding period, and your total income; treat these as directional.

Time-sensitive and subject to change

Federal brackets and capital-gains breakpoints adjust annually for inflation; state supplemental rates are set by each state and change; statutory thresholds (the 22%/37% supplemental rates, the $200k/$250k/$125k Additional Medicare thresholds) are set by law and can change. This tool models current enacted law for the 2026 tax year. Verify current figures against primary sources — IRS Publication 15 and your state’s department of revenue — before relying on them.

Verify before you rely on it

RSU treatment also varies by your employer’s plan document — including the settlement options (net-share, sell-to-cover, sell-all) available to you. Confirm your plan’s specifics with your employer’s equity or payroll team, and confirm your tax with a professional. We do our best to keep figures accurate and cite primary sources, but we make no warranty of accuracy or completeness and accept no liability for decisions made based on this site. See our terms of use.

No affiliation

rsuplanner.com is an independent tool operated by Red Goggles LLC. It is not affiliated with, endorsed by, or connected to the IRS, any state tax authority, any employer, brokerage, or financial institution.

Last updated: June 2026