Model a withdrawal plan funded by vested RSU shares. The calculator converts the shares to a starting portfolio value, applies a constant annual return, subtracts a planned year-end withdrawal, and reports the ending balance and cash distributed.
The main result is the modeled portfolio balance after the final planned withdrawal.
This pre-tax model treats vested shares as a portfolio and ignores trading restrictions, future vesting, and transaction taxes.
Starting with 1,000 shares at $30, assuming 5% annual growth and withdrawing $4,000 at each year-end for 10 years leaves an estimated balance of $1,444.73.
No. Use the tax-rate input as a planning assumption; actual withholding and final liability can differ.
Yes, where a growth field is provided, but the rate must remain above negative 100 percent.
The math can use fractional shares. Your employer plan or broker may restrict actual purchases or sales to whole shares.
No. The calculator uses the single price or constant growth assumption you enter and does not simulate volatility.
No. It is an educational estimate; confirm option, RSU, or ESPP treatment with a qualified tax professional.
| Variable | Meaning | Unit |
|---|---|---|
| Vested shares | Shares available for the plan. | shares |
| Current share price | Starting market price. | USD |
| Annual return assumption | Constant annual return. | % |
| Annual withdrawal | Planned year-end cash withdrawal. | USD |
| Plan length | Withdrawal years. | years |