For anyone paid in company stock
Payroll commonly withholds your RSU vest at 22%. Your real rate is usually higher.
Find your companyThe difference is yours to cover, usually at filing.
Free. No email, no account, and every figure is computed in your browser, so nothing is sent anywhere.
Your gap at filing · estimated
Choose your state, and the withholding and tax on your vesting appear here.
Computed on the standard deduction. If you itemize, add your deductions in the modeler.
Where do you work?
Each modeler is built around one company’s plan. Pick yours, or the general one.
QualcommIt already has Qualcomm's vest dates, ESPP windows and custodians.Open the Qualcomm modeler → Any other companyEnter your own vest dates and ESPP terms.Open the general modeler →Your figures come with you, in the link, and are never sent to a server.
If you have questions about this number, I’m happy to help.
Book a call
Booking opens Calendly in a new tab. Nothing you entered goes with it.
Next
See it on your company’s schedule.
The check estimates how much you may owe. The modeler shows when each amount comes due.
An example: inside the modeler and the brief
The example reader: Single · $220,000 salary · $100,000 of vesting · California
The modeler · vest calendar
Each vest, with its date and value.
The example reader
Single · $220,000 salary · $100,000 of vesting · California
Each grant on its own schedule, stacked by month, with the estimated-payment window that follows.
How this is computed
Numbers you can check.
Tax figures come from the IRS and state publications named beside them. Company plan dates are marked when they come from participants rather than company filings. Every figure is an estimate for planning, not for filing.
Read more: Why 22% withholding often is not enough · RSU withholding by state
Questions
Common questions.
What is Tech Wealth Tools?
A free set of browser-only tools and articles for people paid in company stock. They estimate the difference between what payroll withholds on an RSU vest and what that vest adds in tax. They were built by Brian Patterson, CFP®. There is no email and no account.
Is 22% the tax rate on RSUs?
No. 22% is the IRS optional flat rate an employer may use to withhold federal income tax on supplemental wages. The vest is ordinary income, and your return applies the normal graduated rates to it. The tax on the vest depends on which brackets it falls into, so it can be more or less than what was withheld.
Is anything I type sent anywhere?
No. The numbers you enter stay in your browser and are never sent. To show a price, the page asks this site’s price service for one stock symbol, and nothing you enter goes with it. See the privacy page for the full list.
How accurate is the estimate?
It is directional, not a filing computation. Federal figures come from IRS Publication 15 and Rev. Proc. 2025-32. State figures come from each state’s own documents for 16 jurisdictions. Credits, other deductions and your payroll settings can change your actual result.
Does it work for my company?
Qualcomm has its own modeler. For any other company, the general modeler takes your own vest dates and ESPP terms.
Is this tax advice?
No. The tools are educational. They show what your numbers produce, not what to do.
Most of what's written about RSUs is general. I built this so you can see your own number before the bill comes due.
Brian Patterson, CFP® · Fiduciary · No commissions