RSU Tax Withholding Calculator (2026)
Your employer withholds 22% on RSU income. That’s the IRS default for supplemental wages: bonuses, commissions, stock grants. It’s a flat rate, and it doesn’t know your tax bracket.
If your total household income puts you in the 32%, 35%, or 37% bracket, 22% isn’t enough. The gap shows up as a balance due in April. This calculator shows you where your income lands and what that gap might look like with your numbers.
2026 estimated tax breakdown
Bracket breakdown — where your income lands
| Bracket | Rate | Income in bracket | Tax |
|---|
This calculator uses 2026 IRS tax brackets and standard deductions (single: $16,100 / married filing jointly: $32,200) per IRS Revenue Procedure 2025-32. Results are illustrative estimates only and do not account for FICA taxes, the 3.8% Net Investment Income Tax, itemized deductions, tax credits, or other income. This is not tax advice. Consult a qualified tax or financial professional for your specific situation. Jason Preti is a CFP® professional and owner of Unleashed Financial LLC, a registered investment adviser.
Washington state residents: the calculator also flags your potential state capital gains exposure if you hold shares after vesting.
These are estimates based on 2026 IRS tax brackets and the standard deduction. They don’t account for itemized deductions, FICA taxes, the 3.8% Net Investment Income Tax, or other income sources. Your actual gap may be higher or lower.
If your number surprised you, the fix is straightforward: Estimated tax payments, updated withholding, or a mid-year planning conversation before your next vest date.
The next step
Let’s run through the full picture before your next vest.
Want the full explanation of how the withholding gap works and what to do about it? Read the complete guide for Washington state tech employees.