RSU Tax Funding Strategy Calculator

Income Tax Inputs

Filing status RSU value at vest ($) Other taxable income (annual, before RSUs) Deductions Itemized deductions (annual)

Tax credits (annual, $)

Location / State (auto-fills tax rates)

Additional local tax (%)

Adds this % on top of the ordinary + capital gains tax rates (simple approximation; applies to both ST/LT).

Advanced tax rates (auto-set, editable)

Ordinary tax rate (combined) LT cap gains rate at IPO (combined) ST cap gains rate at IPO (combined)

Federal brackets + simplified state/local estimates.

Assumes 22% up to $1M of RSU income and 37% above.

Eligibility is based on your federal balance after withholding. Interest assumed at 7% APR.

Eligible plan Plan term (months)

Company valuation at vest (B) RSU value at vest ($) Time to IPO (years) IPO valuation (B)

Location / State (auto-fills tax rates)

Additional local tax (%)

Adds this % on top of the ordinary + capital gains tax rates (simple approximation; applies to both ST/LT).

Advanced tax rates (auto-set, editable)

Ordinary tax rate (combined) LT cap gains rate at IPO (combined) ST cap gains rate at IPO (combined)

Borrow cost to cover taxes (APR, annual, %)

Note: Simplified model (not tax advice). Ignores brackets, AMT, withholding mechanics, and many state nuances.