2026 Calculator
RSU Calculator
Calculate your RSU value at vesting
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How are RSUs taxed?
RSUs are taxed as ordinary income when they vest, not when granted. The value at vesting is added to your W-2 income. Companies typically withhold 22-37% for taxes. When you sell, any additional gain is taxed as capital gains (short or long-term based on holding period).
What is a typical RSU vesting schedule?
The most common vesting schedule is 4 years with a 1-year cliff: 25% vests after year 1, then monthly or quarterly thereafter. Some companies use 3-year schedules or annual vesting. Check your grant agreement for specific terms.
How do I calculate my RSU value?
RSU Value = Number of RSUs × Current Stock Price. Unlike stock options, RSUs have no strike price - you receive the full share value. For example, 1,000 RSUs at $100/share = $100,000 gross value (before ~30% tax withholding).