#3377 · Finance Tool

RSU Vesting Income Forecast Calculator

Forecast gross and after-tax RSU vesting income across repeated annual grants. Enter the number of units expected to vest each year, a starting share price, a constant price-growth assumption, the number of vesting years, and an estimated tax rate.

Calculator

Scenario inputs
units
Equal units in each annual vest.
USD
Price for the first vest.
%
Applied before each later vest.
years
Number of annual vesting events.
%
Applied to each vesting event.

How to use this calculator

  1. Enter the shares, units, prices, rates, and timing assumptions requested.
  2. Use rates that reflect your own scenario rather than a generic benchmark.
  3. Select Calculate to update the main result and supporting figures.
  4. Change one assumption at a time to compare outcomes, then use Reset to restore the example inputs.

Formula

Gross income = Σ annual units × starting price × (1 + growth)ʸ
Net income = gross income × (1 − tax rate)

What the result means

The main result is cumulative modeled after-tax vesting income over all annual events.

The estimate assumes equal annual units and a constant growth rate. Actual vesting, withholding, and share prices will vary.

Example calculation

With 500 units per year, a $25 starting price, 6% growth, four annual vests, and a 35% tax rate, modeled cumulative after-tax income is about $35,543.76.

Tips for better results

  • Use the latest plan statement for vested units, strike price, and purchase terms.
  • Keep tax rates separate from employer withholding percentages.
  • Test a lower-price or lower-growth case before relying on a favorable scenario.
  • Account separately for blackout windows, expiration dates, and concentration risk.
  • Confirm final tax treatment before exercising or selling company stock.

Frequently asked questions

Does the RSU Vesting Income Forecast Calculator include payroll withholding?

No. Use the tax-rate input as a planning assumption; actual withholding and final liability can differ.

Can I enter a negative growth rate?

Yes, where a growth field is provided, but the rate must remain above negative 100 percent.

Are fractional shares included?

The math can use fractional shares. Your employer plan or broker may restrict actual purchases or sales to whole shares.

Does the result account for stock-price volatility?

No. The calculator uses the single price or constant growth assumption you enter and does not simulate volatility.

Should I use this result for a tax filing decision?

No. It is an educational estimate; confirm option, RSU, or ESPP treatment with a qualified tax professional.

Inputs and units

VariableMeaningUnit
Units vesting each yearEqual units in each annual vest.units
Starting share pricePrice for the first vest.USD
Annual price growthApplied before each later vest.%
Vesting yearsNumber of annual vesting events.years
Estimated tax rateApplied to each vesting event.%

Browse calculator categories

22 category hubs