Is my RSU or stock compensation withholding enough for 2026 or 2027 planning?
Use this equity compensation withholding calculator to estimate whether supplemental wage withholding on RSUs, stock options, or other equity income may cover the actual federal tax. It compares withholding with your projected marginal tax rate and flags a likely gap.
RSU tax withholding calculator
Quick answer
RSU withholding can be lower than your final tax when your marginal rate is above the supplemental withholding rate. This calculator estimates the difference between withheld tax and likely federal tax on equity compensation.
Also answers
- equity compensation tax calculator
- stock compensation withholding
- RSU tax calculator
- supplemental wage withholding gap
Good fit when
- Checking RSU vest tax withholding
- Planning estimated payments after equity income
- Avoiding a surprise balance due from stock compensation
Have ready
- Equity compensation amount
- Estimated marginal tax rate and withholding rate
- Other income and payments
Result you get
Estimated withholding gap or surplus for equity compensation.
How this calculation works
- Calculates incremental tax impact of adding the vest value to income.
- Applies the supplemental withholding rate to estimate withheld tax.
- Reports the gap between expected tax and withholding.
Common mistakes and caveats
- State tax and payroll withholding are not included.
- Actual tax depends on total income and deductions for the year.
- Special equity events can have unique tax treatment.
FAQ
Why is equity compensation often withheld at 22%?
Employers commonly apply the supplemental wage flat rate, which can be lower than your marginal rate.
TaxGuide Pro provides free state and federal tax calculators for individuals, freelancers, and small businesses.