RSU Tax Calculator for the Withholding Gap

Generally when shares or cash are delivered, often at vesting. Deferred settlement can change the date. The compensation value becomes basis, and a later sale can create a separate capital gain or loss.

No. An eligible employer may use the optional 22% method for supplemental wages up to $1 million, or an aggregate method. The excess over $1 million paid by that employer in the year is generally withheld at 37%.

It stacks the RSU income on your salary through the 2026 federal brackets after the standard deduction, adds a flat 5% state rate and 2.35% Medicare tax, and compares the federal part with the flat 22% withholding most employers use. It assumes your salary already clears the Social Security and Additional Medicare thresholds and that no other supplemental wages have used the $1 million withholding band. It leaves out your other income, deductions and credits, so your actual tax depends on your full return.

No. The displayed gap is floored at zero, so it does not show overwithholding. Check your actual payroll method, other supplemental wages and full-year return; withholding can be higher or lower than your final liability.