Loaded from the latest market data so your brief reconciles with the figure you see. If the quote is briefly unavailable, the tool shows the last verified close, dated. Edit to model a different price scenario.
Vested QCOM shares held
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Vested QCOM shares in your E*TRADE account, or wherever you currently hold your QCOM shares. E*TRADE → Stock Plan → Account Summary
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RSU grants
No grants entered
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ℹFind your grants under E*TRADE → Stock Plan → Grant Summary. One card per grant.
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Tax profile
Tap to configure
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Filing & Income
Filing status
Age range
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Used to calculate your 401k contribution limit. Age 60–63 qualifies for the SECURE 2.0 enhanced catch-up of $11,250 above the standard limit - a window that closes at 64.
Household income, excluding QCOM vests ($) ~ est
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Both earners · exclude your vests, we add those from your grants
Salary, bonus, and any other income for both earners, but not your Qualcomm 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 and unlock additional insights. We apply the 2026 standard deduction as a conservative baseline. Empty is fine. The tool uses the manually selected rate below.
Working spouse?
Two earners filing jointly often under-withhold, because each W-2 is withheld as if it were the only income. No spouse income needed.
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Your tax rates
Federal Marginal Rate
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Enter income to auto-suggest, or select
Rate on your highest dollars of income. When household income is entered, this is auto-suggested - edit to override. Most QCOM employees are in the 32–35% bracket.
State
Your State Marginal Rate
RSU withholding
RSU withholding rate
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Vesting RSUs are supplemental wages, withheld at a flat 22% federal rate regardless of your bracket. That is the rate this estimate uses. Whether your payroll will withhold at a higher rate on a future vest is a question worth asking, and one your planning brief is built to raise.
△ RSU withholding gap
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Default withholding: 22% regardless of your bracket. 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.
Tax rates set · tap to edit ▾
Each one tightens your bracket and NIIT estimates.
Each field below is optional and refines your bracket and NIIT estimates. Left blank, the tool uses the 2026 standard deduction and no contribution adjustments. Precision is what a planning conversation unlocks.
Deductions
Estimated total itemized deductions ($)
Mortgage interest, property taxes, charitable giving · your Schedule A estimate
Pre-Tax Contributions
Pre-tax 401(k) contribution this year ($)
Pre-tax (traditional) only. Roth 401(k) does not lower your taxable income, so leave it out.
Annual HSA contribution ($)
Health Savings Account contributions reduce taxable income and can affect your NIIT threshold.
HSA plan type
2026 individual limit: $4,400
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ESPP
Tap to configure
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△ When and how is ESPP taxed?
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Tax triggers at sale, not at purchase. Two clocks run on every lot and they do different jobs. One year from the purchase date decides whether the gain above the purchase-date price is short or long term. Two years from the offering start decides whether the sale is a qualifying disposition, which changes how much of the proceeds counts as ordinary income rather than the rate on the rest. Which path costs less turns on the two prices in your offering period, not on the calendar alone.
Current Offering Period ▴
Period start month
January or May
Period start year
Price at period start ($) ~ est
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For purchase price est. only
QCOM price on the first day of this offering period. E*TRADE → ESPP → Offering Period → Grant Price
Monthly contribution ($)
Up to 15% of pay
Prior ESPP Lots Lots still held
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Assets
$0 investable
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Investable Assets
Taxable brokerage, non-QCOM ($) ~ est
Exclude QCOM shares (counted in Holdings)
Cash & savings ($) ~ est
Checking, savings, money market
401(k) & Retirement
401(k) balance ($) ~ est
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Total 401k balance
Total 401k balance including all investments. Fidelity NetBenefits → Retirement → Balance
Other retirement ($) ~ est
Traditional, Roth, Rollover IRAs
Primary Home
Est. home value ($) ~ est
Zillow or Redfin estimate
Mortgage balance ($) ~ est
From mortgage statement
Home equity shown in net worth context only. It is not used in the concentration calculation.
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Displacement scenario
Off · tap to model
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△If your last day falls within 90 days of a vest event, those shares may accelerate. Verify with HR.
Last day · month
Last day · year
Severance (weeks pay)
Weekly gross pay ($)
COBRA monthly est. ($)
Avg. CA tech family: $1,800–$2,400/mo
Total QCOM equity i
$0
Vested in full, unvested at half
Next vest
$0
Vest date
QCOM concentration
0.0%
Of your total assets
Est. April tax gap
$0
Owed beyond payroll
Total QCOM equity. Vested shares count in full. Unvested count at half, because they are not yet earned and can be forfeited or move in value before they vest.
Based on 2026 tax figures
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Qualcomm
Upcoming vesting schedule
Enter grant details to see your vesting calendar.
Vest income–
Enter your RSU grants and household income to unlock your personalized tax insight.
Your brief: the tax picture, ESPP timing, and observations your figures imply - nothing you didn't enter. Ten seconds. No email.
Free · No account required · Your numbers stay in your browser Contact details to follow. Your figures stay here either way; nothing is attached.
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. NIIT applicability depends on your complete MAGI. 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
How this is computed
Federal figures use the 2026 brackets, standard deductions, and limits from IRS Rev. Proc. 2025-32 and Notice 2025-67; California from the FTB and EDD. They are checked against the source each year.
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.
The calculations are verified against the published IRS figures before each release.