RSU Tax Calculator

RSU Tax Calculator

Results

Total Taxable Income: $0

Total Taxes Owed: $0

Net Value After Taxes: $0

What is an RSU Tax Calculator?

A RSU tax calculator helps employees estimate taxes owed on Restricted Stock Units (RSUs) at vesting or sale. Whether you’re in California, using Fidelity or E*TRADE, or filing taxes in Canada, India, or the UK, these tools simplify complex calculations for:

  • RSU tax withholding (federal, state, FICA)
  • Capital gains tax on RSU sales
  • Net proceeds after taxes

Key Factors in RSU Tax Calculations

  1. Vesting Value: RSUs are taxed as income at vesting (based on fair market value).
  2. Income Tax Rates: Federal, state (e.g., California RSU tax rate), and FICA.
  3. Capital Gains: Taxes on profits if sold post-vesting (short-term vs. long-term rates).

Top RSU Tax Calculators Reviewed

1. California RSU Tax Calculator

  • Factors in California state tax (13.3% top rate) and federal rates.
  • Recommended for tech employees in Silicon Valley.

2. Fidelity RSU Tax Calculator

  • Fidelity’s tool auto-imports vesting data for precise withholding estimates.
  • Accounts for AMT (Alternative Minimum Tax).

3. E*TRADE RSU Tax Calculator

  • Tracks vested RSUs and calculates taxes for multi-year grants.

4. Global RSU Tax Calculators

  • Canada RSU Tax Calculator: Includes provincial rates and CRA rules.
  • India RSU Tax Calculator: Calculates TDS under Section 192.
  • UK RSU Tax Calculator: Handles PAYE and National Insurance.

How to Calculate Capital Gains Tax on RSU Sales

  1. Determine Cost Basis: FMV at vesting.
  2. Sale Price: Current stock price.
  3. Holding Period:
    • Short-term (<1 year): Taxed as ordinary income.
    • Long-term (>1 year): Lower capital gains rates.

Example:

  • Vesting price: 50/share∣Saleprice:150/share | 100 shares
  • Capital gains: 10,000∣Tax:2,000 (20% long-term rate).

Step-by-Step: Using an RSU Tax Calculator

  1. Input number of RSUs and grant price.
  2. Enter current stock price and vesting date.
  3. Add tax rates:
    • Federal (e.g., 22-37%)
    • State (e.g., California RSU tax rate)
    • FICA (7.65%)
  4. Include broker fees or foreign exchange rates (for UK/India/Canada).

Specialized Calculators for Unique Scenarios

  • RSU Sale Tax Calculator: Estimates capital gains on post-vesting sales.
  • RSU Tax Withholding Calculator: Projects employer withholdings (22% federal default).
  • RSU Tax Calculator 2023: Updated for IRS tax brackets and inflation adjustments.

Free vs. Premium Tools

Tool Features
Free RSU Tax Calculator Basic withholding estimates (no AMT/capital gains).
TurboTax/PaycheckCity Advanced capital gains and AMT calculations.

International RSU Tax Considerations

  1. Canada:
    • Taxed at vesting + capital gains on 50% of profits. Use RSU tax Canada calculator.
  2. India:
    • TDS deducted at vesting. Use RSU tax calculation India tools.
  3. UK:
    • PAYE withholding + National Insurance. Try RSU tax calculator UK.

FAQs: RSU Tax Calculations

Q: How is RSU tax calculated in California?
A: California taxes RSUs as income at vesting (up to 13.3%) + federal/FICA.

Q: How to calculate tax withholding on vested RSUs?
A: Use a RSU tax withholding calculator with your marginal tax rates.

Q: Are RSU sales taxed twice?
A: No—taxed as income at vesting and capital gains (if sold at profit).

Q: What’s the best RSU tax calculator for E*TRADE users?
A: E*TRADE’s built-in tool or third-party apps like PaycheckCity.

Conclusion

Whether you’re in California, using Fidelity, or managing global taxes, an RSU tax calculator ensures accurate estimates for withholding, capital gains, and net proceeds. For complex cases (e.g., AMT or international filings), consult a tax professional.