Equity Compensation

What is your offer actually worth?

Model base, bonus, and RSU vesting across bear / base / bull stock scenarios — with real after-tax take-home for any US state, year by year. Pull a public company's live price and volatility to seed realistic assumptions.

Cumulative after-tax compensation
Bear Base Bull
Year-by-year breakdown
YearBaseBonusRSU vestGrossTaxTake-home

Estimates only — not tax advice. Uses 2025 federal brackets, the standard deduction, FICA (Social Security to the wage base + Medicare incl. the additional 0.9%), and 2025 state brackets / flat rates plus an optional local rate. RSUs are taxed as ordinary income at vest. Real results vary with deductions, RSU withholding, AMT, capital-gains timing, state sourcing, and local rules. State bracket thresholds are inflation-indexed estimates — verify against your state's revenue department before relying on them.

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Understand what your equity compensation is really worth

An offer with restricted stock units (RSUs) is rarely worth its headline number. The value depends on how the stock performs while you vest, and on the taxes you'll owe — federal, FICA, and your state. This free calculator models your base, bonus, and RSU vesting across bear, base, and bull scenarios, then shows your real after-tax take-home year by year.

How RSUs are taxed

RSUs are taxed as ordinary income at vest, based on the share price on the vesting date. Employers usually withhold a flat 22% federal rate, which is often too low for high earners — leaving a surprise bill in April. On top of federal tax you'll owe FICA and your state's income tax, which ranges from 0% (Texas, Florida, Washington) to over 13% (California).

Why bear, base, and bull scenarios

Because nobody can predict a stock price, modeling a single number is misleading. Look up a public company and this tool derives a statistical range from the stock's real volatility — a likely (±1σ) or wide (±2σ) band around a neutral long-run growth assumption. They're assumptions you can edit, not predictions.

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