RSU (Restricted Stock Unit) Calculator

This RSU (Restricted Stock Unit) Calculator helps employees track and analyze their RSU vesting events. You can input multiple vesting dates, include sale prices to calculate capital gains or losses, toggle AMT adjustments for pre-IPO scenarios, and visualize your results in an interactive chart. This tool is to help employees to manage equity compensation and looking to understand both short- and long-term financial outcomes.

Instructions for Using the RSU (Restricted Stock Unit) Calculator

This calculator provides:

• A projection of your RSU value over time
• Calculations for standard income tax and AMT (Alternative Minimum Tax)
• Estimation of capital gains or losses
• An interactive chart showing how your RSU value changes from today until vesting
• The ability to export results to Excel

1. Enter Your Inputs

All fields are pre-filled with default values that you can edit:

Vesting Date	Automatically set to 3 years from today. You can change it to any future date.
Number of RSUs	Total number of RSUs granted or expected to vest. Default: 500
FMV at Vest ($)	Fair Market Value per share on the vesting date. Default: $45.75
Sale Price per Share ($)	What you expect to sell the shares for. Default: $60.00
Tax Withholding Rate (%)	Estimated federal/state tax rate applied at vesting. Default: 22%
Include AMT Adjustment?	Toggle this if you're subject to AMT (e.g., at a pre-IPO company).
Estimated AMT Tax Rate (%)	Appears only if AMT is enabled. Default: 28%

2. Click “Calculate”

Once you've entered or adjusted your inputs, click the "Calculate" button to update all output fields and the chart.

3. Review Output Results

After clicking "Calculate", you'll see:

Total Value at Vest	Total dollar value of your RSUs on the vesting date.
Tax Amount	Estimated income tax withheld at vesting based on your tax rate.
Net Proceeds (Sell All)	Amount you'd receive after taxes if you sold immediately.
Capital Gain/Loss	Profit or loss if you sell at the specified sale price.
AMT Tax / Net Proceeds	Shows AMT-adjusted values if enabled.

4. View Chart Visualization

The line chart shows the projected value of your RSUs over time , starting from today up to your vesting date. It assumes a linear increase or decrease in stock price between FMV and sale price.

• Green upward trend = rising stock value
• Red downward trend = falling stock value

Use this to:

• Understand potential upside or risk
• Compare different sale price scenarios
• Visualize how long you hold before selling

5. Export to Excel

Click the “Export to Excel” button to download an .xlsx file containing all input and result values. This is useful for:

• Keeping personal records
• Sharing with a financial advisor or accountant
• Comparing multiple RSU scenarios

🔐 Notes & Assumptions

• This calculator assumes no dividends or additional equity grants.
• It uses simplified linear modeling for the chart — real-world stock prices may vary unpredictably.
• AMT calculation is illustrative and does not include full tax rules or deductions.
• For complex equity compensation planning, consult a qualified tax advisor or financial planner.

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