400 shares vest at 48 and 160 are sold at 61
400 shares vest at $48.00. Sell 160 at $61.00. Income rate 32%, gain rate 15%.
Vesting value $19,200.00. Income tax $6,144.00. Gain $2,080.00. Net $3,304.00.
RSU tax calculator
You set both tax rates. This is not one country’s tax table.
Income tax applies to every share when it vests, even the ones you keep. A gain is taxed only on the shares you sell.
%
%
More · currency symbol
Symbol only. Amounts are not converted.
Net proceeds
$3,304.00
Sale cash, minus tax on the gain, minus income tax on the whole vest.
- Vesting value
- $19,200.00
- Income tax
- $6,144.00
- Gain or loss
- $2,080.00
- Tax on the gain
- $312.00
Next: Dividend reinvestmentHold the shares and reinvest the dividend.
How this is calculated
Income at vest, gain on the shares sold
tax = shares × vest price × income rate; gain = (sale − vest) × shares sold
| income rate | The rate you expect on the value at vest. It is not a withheld rate from a particular country. |
|---|---|
| gain rate | The rate on a positive gain. A loss is not taxed here. |
Net proceeds are the cash from the sale, minus tax on the gain, minus income tax on the whole vest. If you sell too few shares, the income tax can be larger than the cash.
Withholding, payroll tax, and a rate that changes with income are not modeled. Type the rate that matches your own estimate.
Worked examples
Loading an example fills the tool and scrolls you back to the result. Money examples stay in US dollars on the page. The symbol you picked changes; the numbers do not convert.
The sale price is below the vest price
400 shares vest at $48.00. Sell 100 at $40.00. Income rate 32%, gain rate 15%.
Vesting value $19,200.00. Income tax $6,144.00. Gain −$800.00. Net −$2,144.00.
Embed this calculator
Paste this on a page you control. The frame shows the tool only. The formula stays on this page, and the frame links back here.
<iframe src="/embed/rsu-tax-calculator" title="RSU tax" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
Which country’s tax is this?
None. You type the income rate and the capital-gains rate. A US withholding rate, a UK income-tax band, or any other rule will not be applied for you.
Do I owe tax if I do not sell?
On this page, yes for the vest. The income is the value when the shares vest. Selling only creates the gain or loss on top.
What if the price falls after vesting?
The gain line goes negative and no capital-gains tax is added. The income tax on the vest price is still there.