VestingGap — RSU & Equity Tax Simulator

In plain words

Vesting Gap helps tech employees calculate their true tax liability when RSUs vest by estimating federal, state, Social Security, and Medicare taxes based on salary and location. The tool compares broker default withholding against actual tax obligations to identify underpayment risks and recommends strategies like extra sell-to-cover shares or quarterly payments. It connects users with specialized CPAs for complex equity situations.

written from the facts on this page · September 2026

From the sources

When Big Tech RSUs vest, brokerages withhold a flat 22% tax. But for engineers earning $200k–$500k+, marginal tax brackets reach 32%–37%+ state taxes, creating massive surprise tax bills at tax time. VestingGap is a zero-login, 100% browser-based calculator built for tech workers. In 15 seconds, see your true marginal tax liability, exact underpayment risk, additional shares to sell-to-cover and estimated quarterly IRS payment schedules. No signup, no ads, 2026 tax bracket accuracy.

Free 2026 RSU tax calculator. See what your broker actually withheld at vest vs. what you really owe (federal, state, FICA) and how many extra shares to sell. No login.

When your RSUs vest, the full market value is taxed as ordinary wages. Your employer sells some shares to cover withholding, but federal income tax is withheld at a flat 22% supplemental rate (37% on supplemental wages above $1 million). If your salary plus RSUs lands you in the 24%, 32%, 35% or 37% bracket, the difference shows up as a bill in April. Withheld at vest: federal income tax at the 22% supplemental rate (37% on supplemental wages above $1 million in the year), your state's published supplemental or flat withholding rate, local tax where withheld (New York City at 4.25%), Social Security, Medicare, Additional Medicare above $200,000 of your own wages, and California SDI.…from vestinggap.com

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