RSU Tax & Financial Planner

💡 Professional Planning Insights

Key RSU Tax Facts (2025)

Ordinary Income Treatment: RSUs are taxed as ordinary income at vest, not as capital gains.

2025 Social Security Cap: Social Security tax (6.2%) applies only up to $176,100 in wages.

Additional Medicare Tax: 0.9% tax on earnings over $200,000 (single) or $250,000 (married).

Estimated Tax Payments: Large vesting events may require quarterly estimated tax payments.

Planning Strategies

Tax Loss Harvesting: Offset RSU income with capital losses from other investments.

Long-Term Capital Gains: Hold vested RSUs for 1+ years for preferential rates.

Charitable Giving: Use appreciated RSU shares for charitable donations.

RSU Selling Strategy

Holding Period: Count from vest date, not grant date. Need 1+ years for long-term treatment.

2025 Long-Term Rates: 0% (up to $48,475 single), 15% (middle income), 20% (high income).

Systematic Selling: Consider regular sales for portfolio diversification.

Risk Management

Concentration Risk: Avoid holding too much company stock.

Diversification: Consider systematic selling strategies.

Employment Risk: Understand forfeiture rules.

🧮 RSU Selling Tax Planning

Selling Strategy Calculator

Vest Price

Sale Price

Shares to Sell

Holding Period (days)

Tax Optimization Tips

Long-Term vs Short-Term: Hold RSUs for 1+ years after vesting for preferential rates.

Tax-Loss Harvesting: Offset capital gains with losses from other investments.

Income Timing: Consider selling in lower-income years.

State Considerations: Consider timing based on state tax rates.

⚙️ Tax Configuration

Current Stock Price (FMV) $

Annual Income $

Filing Status

State

State Tax Rate (%)

Federal Tax Rate (Auto-Calculated)

17.2% Effective

22% Marginal

Progressive tax after standard deduction

2025 Tax Features

✓ Progressive tax brackets (10%-37%)

✓ Standard deduction: $15K/$30K

✓ Social Security cap: $176,100

✓ Additional Medicare: 0.9% over $200,000

📅 Current RSU Grants

Company	Grant Date	Total Shares	Vesting Schedule	Actions

🧮 Detailed Vesting Schedule

Date	Company	Shares	FMV ($)	Gross Income	Fed Tax	State Tax	FICA Tax	Net Income	Fed Eff. Rate	Total Rate

2025 Tax Breakdown for :

Planning Considerations:

📈 Yearly RSU Income Projections

📈

No RSU Grants Added

Add your first RSU grant to start planning and optimizing your equity compensation.

What You'll Need:

Grant Details: Company name, grant date, and total shares
Vesting Schedule: Typically 25% per year over 4 years (25-25-25-25)
Cliff Period: Usually 12 months before first vesting
Current Stock Price: For accurate tax calculations
Tax Information: Your federal and state tax brackets

📈 RSU Tax & Financial Planner BETA

ℹ️ How to Use This RSU Planner

Step 1: Configure Tax Settings

Step 2: Add RSU Grants

Step 3: Analyze Results

Understanding the Data