RSU Tax Calculator: VestClear

Your employer withholds a flat 22% on your RSUs. Your real rate is probably 32-37%. That gap is a tax bill waiting for you in April. VestClear shows you the number. Enter your grants and it projects what you'll actually owe against what's being withheld, per vest, so you know exactly what to set aside. WHAT IT DOES Withholding gap — the difference between the flat 22% supplemental rate and your true marginal rate, with the dollar amount to set aside. Broken out into federal, state, local, FICA and SDI so you can see where it comes from. AMT alert for ISOs — exercising incentive stock options can trigger the Alternative Minimum Tax. VestClear estimates the hit before you exercise, and the what-if exerciser lets you model how many options to exercise this year. Every equity type — RSUs, ISOs, NSOs, ESPP, PSUs and restricted stock. Options are handled correctly: vesting isn't taxable, exercising is. ESPP done right — lookback, discount, and the qualifying versus disqualifying disposition rules that decide how much of your gain is ordinary income. Capital gains — short and long term, plus the 3.8% net investment income tax, when you record a sale. Vesting timeline — every upcoming vest, its value, and its tax impact. Estimated tax planner — quarterly amounts and the safe harbor rule. Reminders and a home screen widget — a heads-up before each vest, and your next vest always in view. CSV export — hand your accountant a file instead of retyping numbers. WHERE YOU LIVE Federal plus all 50 states and DC, with California SDI and New York City local tax built in. Real marginal-rate stacking, not flat guesses. Tax years 2025 and 2026. Other municipal taxes — Yonkers, Philadelphia, Ohio local, Maryland county — are not modeled yet. The app tells you when that applies to you. BUILT FOR Tech employees at public companies with equity compensation, and anyone at a startup working out what an ISO exercise would cost. PRIVACY Every calculation runs on your device. There is no account to create and no server that sees your salary, your grants, or your tax profile. Backups go to your own iCloud. The only thing that leaves your phone is a ticker symbol, to fetch a share price. SUBSCRIPTION Tracking your grants and vesting schedule is free. Full tax projections, the withholding gap figure, AMT modeling and CSV export are part of VestClear Premium: - Weekly — $4.99 per week - Monthly — $9.99 per month, with a 7-day free trial - Annual — $79.99 per year, with a 7-day free trial Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel subscriptions in your Apple ID account settings after purchase. Any unused portion of a free trial period is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.gamersimulation.com/privacy-policy Estimates only — not tax, legal, or financial advice. Consult a qualified tax professional about your own situation.