RSU Tax Calculator: VestClear

Your employer withholds a flat 22% on your RSUs. Your real rate is probably 32-37%.

That gap is a tax bill waiting for you in April.

VestClear shows you the number. Enter your grants and it projects what you'll actually owe against what's being withheld, per vest, so you know exactly what to set aside.

WHAT IT DOES

Withholding gap — the difference between the flat 22% supplemental rate and your true marginal rate, with the dollar amount to set aside. Broken out into federal, state, local, FICA and SDI. Every vest is stacked on top of your salary and your earlier vests of the year, and your state's own withholding rule for bonuses and RSUs is applied.

AMT alert for ISOs — exercising incentive stock options can trigger the Alternative Minimum Tax. VestClear estimates the hit before you exercise, and the what-if exerciser lets you model how many options to exercise this year.

Every equity type — RSUs, ISOs, NSOs, ESPP, PSUs and restricted stock. Options are handled correctly: vesting isn't taxable, exercising is.

ESPP done right — lookback, discount, and the qualifying versus disqualifying disposition rules that decide how much of your gain is ordinary income.

Capital gains — short and long term, the 3.8% net investment income tax, and your state's tax on the gain when you record a sale. The year's sales are taxed together, the way your return does it.

Vesting timeline — every upcoming vest, its value, and its tax impact. Past vests use the price on the vest date.

Estimated tax planner — due dates for everyone; with Premium, the quarterly amounts under the safe harbor rule (90% of this year's tax, or 100%/110% of last year's).

Reminders and a home screen widget — a heads-up before each vest, and your next vest always in view.

CSV export — hand your accountant a file instead of retyping numbers. Free.

WHERE YOU LIVE

Federal plus all 50 states and DC, with California SDI, New York City local tax and New York's tax-benefit recapture built in. Real marginal-rate stacking, not flat guesses. Tax years 2025 and 2026; 2027 is shown as a clearly labelled estimate until the IRS and SSA publish the 2027 figures.

Most states' own deductions, credits and head-of-household schedules aren't applied yet, so a state figure can run slightly high. Other municipal taxes — Yonkers, Philadelphia, Ohio local, Maryland and Indiana county — and Connecticut's rate phase-out are not modeled yet. The app tells you when that applies to you.

PRIVACY

Every calculation runs on your device. There is no account to create and no server that sees your salary, your grants, or your tax profile. Backups go to your own iCloud. The only thing that leaves your phone is a ticker symbol, to fetch a share price.

SUBSCRIPTION

Free: one grant (the built-in sample doesn't count), the vesting timeline, vest reminders, the home screen widget, planner due dates and CSV export. VestClear Premium adds unlimited grants, the exact withholding gap and per-vest tax breakdown, the estimated tax planner amounts, AMT modeling, capital gains tax figures and tax alerts:

- Weekly — $4.99 per week
- Monthly — $9.99 per month, with a 7-day free trial
- Annual — $79.99 per year, with a 7-day free trial

Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel subscriptions in your Apple ID account settings after purchase. Any unused portion of a free trial period is forfeited when you purchase a subscription.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.gamersimulation.com/privacy-policy

Estimates only — not tax, legal, or financial advice. Consult a qualified tax professional about your own situation.