RSU & ESPP Calculator
Understand your equity compensation. Make your own decisions. Take control of your future.
Understand your RSU vesting tax gap and model ESPP disposition strategies side by side.
RSU Vesting Details
Tax Breakdown
How this is calculated
For RSUs we compare the tax actually owed to what your employer withholds (often a flat 22%); for ESPP we value the discount/look-back and compare qualifying vs. disqualifying tax.
The steps
- RSU: vesting value = shares × price at vest, taxed as ordinary income; tax gap = real tax − amount withheld.
- ESPP: effective price = look-back price × (1 − discount); the discount is the bargain element.
- Compare disqualifying (all bargain as ordinary income) vs. qualifying (part ordinary, part long-term gain) dispositions.
Assumptions
- Flat 22% supplemental withholding by default; the marginal/state rates you enter.
Good to know
- ESPP qualifying rules are simplified; confirm specifics with a tax professional.
Related resources
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. For tax advice, consult a CPA or Enrolled Agent. View full disclosures →
RSU and ESPP taxation is complex. Supplemental withholding at 22% may be insufficient if your marginal rate is higher. Consult a CPA before making decisions about selling or holding equity compensation. Results are estimates based on information provided.