See what your RSUs could actually be worth.

Model a three- or four-year grant, estimate taxes at each vest, and compare selling immediately with holding through the end of the grant.

Four-year outlook

37.0% combined tax
Gross value at vest $0
Estimated tax $0
Net if sold at vest $0
Value at end of year 4 if net shares are held $0

Sell now vs. hold

After-tax value of each year's vested shares

Sold at vest Held to year 4

Year-by-year vesting

37 vest events
Year Vested
shares		 Taxable income
at vest		 Federal
tax		 State
tax		 Net sold
at vest		 Held to
year 4
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How the estimate works

Each vest is valued using the projected stock price for that month. RSU value is treated as ordinary income at vest. “Sold” subtracts federal and state tax immediately. “Held” assumes enough shares are sold to cover those same taxes, then values the remaining shares at the projected end-of-grant price.

Not included

  • Payroll taxes, supplemental withholding rules, or tax credits
  • Capital gains or losses after vest
  • Trading windows, blackout periods, or fees

Educational estimate only—not financial, tax, or investment advice. Tax treatment and withholding vary by jurisdiction and individual circumstances; consult a qualified professional.
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