Your company's equity
RSU and ESPP modeler for any company
RSU vests, ESPP, taxes and company stock concentration
YOUR STOCK
Entered by you
I built this so you can model your grants before each vest.
Read first: Why 22% withholding often is not enough · RSU withholding by state
Brian Patterson, CFP® · Fiduciary · No commissions
Your plan
How your RSU grants vest
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Your company’s ticker
Share price ($)
Looks up the ticker’s latest price. Only the ticker is sent.
How your RSU grants vest
Your schedule
Where to look. Your broker's vesting page, or your grant agreement, shows when each vest happens.
Fill in the rows, counting from the date of the grant:
- First vest: how many months after the grant your first shares vest. A one-year cliff is 12.
- How much then: the % of the grant that vests that first time. If every vest is the same size, leave it blank.
- After that: how often you vest.
- Last vest: how many years after the grant the final shares vest.
- A different amount each year? Tick "My vests are a different amount each year" and fill one row per year: the % that vests that year, and in how many vests.
- Which months: the months your vests land in, the same for every grant (for example February, May, August and November). Tap one and the others fill in. If each grant vests on its own schedule from the day it was granted, choose "It depends on each grant's date".
- Later grants different? If your first grant vests one way and later grants another, tick "My later grants vest differently" and fill in the second schedule the same way.
The most common schedule, a one-year cliff then quarterly for four years, is: first vest 12 months after the grant, 25% then, every quarter after that, last vest 4 years after the grant. The button "1-year cliff, then quarterly" fills that in for you.
Then enter your grants in RSU grants below. Each grant shows every vest, so you can check it against your broker.
Schedule does not fit? Choose "Enter my vest dates" above.
Later grants
The shape of your schedule
Tap a pattern or fill in the rows to see its shape.
Your grants go in RSU grants below, where each one lists its own vests.
You will enter each vest in RSU grants, below, copied from your broker.
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Holdings
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Shares held
Every share you hold today: vested RSUs, ESPP purchases, your own buys. ESPP lots below are not added again. Held at your broker, or wherever you currently hold them.
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RSU grants
No grants entered
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ℹFind your grants on your broker's stock plan site. One card per grant.
Your upcoming vests
This takes a few minutes, and it is exact. You copy each vest from your broker, so nothing here is estimated.
- Open your broker's stock plan site in another tab, and find the page that lists your upcoming vests. Brokers call it vesting schedule, upcoming releases, or grant details.
- Copy one vest's date and paste it into Vest date. Any usual form works: 03/15/2027, 2027-03-15, Mar 15, 2027 or 15-Mar-2027. Dates are read month first, the way US brokers show them.
- Copy that vest's share count and paste it into Shares. Commas, decimals and the word "shares" are fine.
- Check the line under each field. It says what was read. If it says it could not read the value, type it instead.
- Press "Add another vest" and repeat for each vest still to come. If your broker lists several grants, include the vests from all of them.
Already vested this year? Those go in "Vested so far this year", at the foot of this card.
Shares, not dollars. Copy the number of shares that vest, before any shares are held back for tax. The modeler works out the tax from the share price you enter.
No vests yet
Your vests
Paste a date and a share count to see your vests laid out.
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Tax profile
Filing status, income and state
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Filing & Income
Filing status
Age range
Sets your 401(k) and HSA limits. At 65 or older, a larger deduction applies. Ages 60 to 63 get a larger 401(k) catch-up under SECURE 2.0, a window that closes at 64.
Household income, excluding RSU vests ($) ~ est
Salary, bonus, and any other income of your own, but not your vests. The tool adds vest income from the grants you entered and stacks it on top, so counting it here as well would tax it twice and overstate your gap. Used to estimate your federal bracket, on the standard deduction unless you choose Itemized and your total is larger. Empty is fine. The tool uses the manually selected rate below. Dividends, interest and gains count as salary in this estimate.
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Your tax rates
Federal Marginal Rate
Or pick your rate
Rate on your highest dollars of income. When household income is entered, this is auto-suggested; edit to override.
State
Your State Marginal Rate
RSU withholding
RSU withholding rate
Vesting RSUs are supplemental wages, withheld at a flat federal rate regardless of your bracket. Once your supplemental pay from your employer passes in a calendar year, federal withholding on the part above it is (IRS Publication 15). Those are the rates this estimate uses. Ask payroll whether a future vest will be withheld at a higher rate.
Bonus and other supplemental pay this year ($)
From your employer, this calendar year
Bonuses and other pay taxed as supplemental wages this calendar year, not counting your vests. It is already part of your household income above, so it is not taxed again here. It is used only to place the line, above which federal withholding is . Empty is fine.
Default withholding: regardless of your bracket, on supplemental pay above in a year. In the 32% bracket, 10% of every vest goes under-withheld. Once shares vest, that event's withholding is locked, so the shortfall on vests already paid this year is already set; only vests still ahead of you can be affected at all.
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ESPP
Do you buy shares through an ESPP?
Company stock bought at a discount through payroll. Its tax works differently from your RSUs.
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Your ESPP’s terms
% off the purchase price
Lookback
A lookback prices your shares off the lower of the offering-start price and the purchase-day price.
Months you buy
The tax is due when you sell, not when you buy. Each ESPP lot has two holding periods that matter. Holding more than a year past the purchase date decides whether the gain above the purchase-date price is short or long term. Selling more than two years after the offering start is one of the tests for a qualifying disposition, which changes how much of the proceeds counts as ordinary income rather than the rate on the rest. Which path costs less depends on the two prices in your offering period, not only on the dates.
Completed ESPP purchases
No completed purchases yet.
Fill in your ESPP’s terms above first: each purchase is priced by them.
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Assets
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Taxable brokerage, not your company's stock ($) ~ est
Cash & savings ($) ~ est
401(k) balance ($) ~ est
Total 401(k) balance including all investments.
Other retirement ($) ~ est
All IRA types
Est. home value ($) ~ est
Mortgage balance ($) ~ est
Home equity shown in net worth context only. It is not used in the concentration calculation.
Not kept on this device.
Your numbers stay in this browser, on this device, and are not sent anywhere. Turning this off removes them. They are kept only here, so another device or another browser will not have them. Numbers kept under an earlier tax year are not brought back, because the schedules change each January.
Total company equity
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Vested and unvested
Next vest
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Vest date
Company stock concentration
0.0%
Of your total assets
Est. federal tax gap
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Estimated, beyond what payroll withholds
Total company equity. Vested and unvested shares, both at the price in Your plan. It is what you hold plus what you are scheduled to receive, so it matches the share counts on your own statement. Concentration counts only the shares you hold now, which is why the two figures do not divide into each other.
Based on 2026 tax figures
Prefer to talk first?
Book a call
A short call · 15 minutesBring your questions and I’ll tell you where I can help.
A full conversation · 45 minutes on ZoomBring your figures and goals, and we’ll start working through your plan together.
Booking opens Calendly in a new tab. Nothing you entered goes with it.
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Company
Upcoming vesting schedule
Enter grant details to see your vesting calendar.
Vest income–
Your key dates, as a calendar file made on this page. Nothing is sent.
Enter your RSU grants and household income to see your tax figures.
Your brief: the tax picture, ESPP timing, and what your figures show, built only from what you entered.
Prefer to talk first?
Book a call
A short call · 15 minutesBring your questions and I’ll tell you where I can help.
A full conversation · 45 minutes on ZoomBring your figures and goals, and we’ll start working through your plan together.
Booking opens Calendly in a new tab. Nothing you entered goes with it.
Free · No account required · Your numbers stay in your browser
Educational tool only · Not investment advice · Not tax advice. All figures are directional estimates based on your inputs and the 2026 standard deduction as a conservative baseline. RSU income is taxed as ordinary income at vest. ESPP tax treatment depends on holding period. The 3.8% tax on investment income depends on your full income for the year, including amounts not entered here. A state rate is shown only where that state’s own published schedule has been verified, and it is derived from the income and filing status you enter; the source and tax year are named beside the rate. For any state not yet verified, no rate is shown and the field uses the rate you enter. State figures reflect state income tax only and do not include city, local, or special district taxes, so this is not a complete tax picture. No advisory relationship is established by use of this tool.
How this is computed
- Federal figures use the 2026 brackets, standard deductions, and limits from IRS Rev. Proc. 2025-32 and Notice 2025-67; each state's figures from its own published schedules. They are checked against the source each year. Last checked October 2026.
- A state rate is shown only where that state’s own published schedule has been verified, with the source and tax year named beside the rate. For any other state, no rate is shown and you enter your own.
- Every figure is a directional estimate based on what you entered. It highlights what matters; it is not tax advice or a precise tax return.
- Tax figures are taken from the official publications named on each page.