Calculate the value of your RSU grant with vesting schedule breakdown. See annual vesting value, taxes owed, and take-home amounts.
$31,500 after tax
| Total Shares | 1,000 shares |
| Total Grant Value (current) | $50,000 |
| Cliff Vest (12mo) — 250 shares | $12,500 |
| Annual Vesting Value | $12,500 |
| After-Tax Annual Value | $7,875 |
| Total Taxes Over 4 Years | $18,500 |
| Total After-Tax Value | $31,500 |
| Projected Value at $75/share | $75,000 |
| Projected After-Tax | $47,250 |
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Grant Value = Shares × Price at Vesting
Annual Value = Grant ÷ Vesting Years
After-Tax = Annual Value × (1 − Tax Rate)
RSUs are taxed as ordinary income when they vest — not when granted. The FMV on vesting date is your taxable income.
Most tech companies use a 4-year vest with 1-year cliff: 25% vests after year 1, then monthly or quarterly for years 2–4.
Many advisors say yes — you're already concentrated in your employer's stock via salary. Diversifying makes sense for most people.
RSUs have value as long as the stock price is positive. Options are only valuable if stock rises above the strike price.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.