WealthyNest

RSU / Equity Compensation

Model RSU vesting value, estimated taxes, and after-tax equity outcomes across a multi-year grant.

This model is built to help you move from one financial question into a more decision-ready plan with assumptions, example context, and related next steps.

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Live ticker autofill

Pull current price and dividend yield into the model from the cached market-data layer.

Sell at vestChoose whether vested shares are sold immediately.

Projection chart

This chart updates instantly as you change the assumptions above.

X-axis shows years from today. Y-axis shows projected dollar value. The lines update as your assumptions change.

Scenario comparison

Compare the relative size of the base, optimistic, and conservative outputs.

Accessibility summary: Using a 32% federal rate plus a simplified 9.30% CA state estimate, gross vesting value could reach about $62,994. Base: $36,978 (Sell at vest at a 41.30% combined withholding estimate) | Optimistic: $44,373 (Stronger share-price path) | Conservative: $29,582 (Lower share-price path)

Results

Your grant could deliver about $36,978 after withholding over 4 years.

Using a 32% federal rate plus a simplified 9.30% CA state estimate, gross vesting value could reach about $62,994.

After-tax value

$36,978

Gross vested value

$62,994

Estimated withholding

$26,017

Annual vesting shares

300.00

Share summary

Shareable takeaway

Equity compensation estimate: about $36,978 after withholding across 4 vesting years.

Saved scenarios

Save multiple scenarios to compare optimistic, conservative, and custom planning paths later.

Scenario comparison

Base

Sell at vest at a 41.30% combined withholding estimate

$36,978

Optimistic

Stronger share-price path

$44,373

Conservative

Lower share-price path

$29,582

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Model overview

Understand the model at a glance

What this model does

  • Projects gross vested value, estimated withholding, and after-tax results over the life of an equity grant.
  • Lets you compare selling at vest versus holding the net shares after withholding.
  • Supports optional live ticker autofill for the current share price.

Key assumptions

  • The grant is assumed to vest evenly each year.
  • Federal withholding plus a simplified flat U.S. state-tax rate are modeled at each vest rather than a full tax return calculation.
  • The share-price growth assumption is smoothed and does not capture volatility around vest dates.

Example scenario

A worker with a 1,200-share grant vesting over four years can estimate gross value, taxes withheld, and after-tax proceeds under a range of share-price assumptions.

How the math works

Open to review the formulas and planning logic behind this model.

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  • The model divides the grant shares evenly across the vesting schedule and applies the current share price with annual growth.
  • Each vesting event estimates withholding from your federal rate plus the U.S. state you select.
  • If you choose to hold the net shares, the model tracks their cumulative value as the price changes over time.

Next steps

Insights and recommendations

Pressure test returns and contribution pace together instead of focusing on a single headline projection.
Forgetting that withholding may differ from your final effective tax outcome.
Treating the grant as guaranteed wealth before considering concentration risk and vesting conditions.

Questions

FAQ

Does this work only for RSUs?

It is best suited for RSU-style grants or simple equity compensation plans that vest on a fixed schedule.

What does sell at vest mean?

It assumes each vested tranche is sold immediately after tax withholding instead of continuing to be held as stock.

Are taxes here exact?

No. The model uses a flat withholding estimate so you can plan directionally without a full tax engine.

Why do I need to select a state?

The model is currently focused on U.S. planning. Selecting a U.S. state lets WealthyNest add a simplified state-tax assumption to the withholding estimate.

Can I use live market data for the current share price?

Yes. The model supports optional ticker autofill for the starting share price when market data is configured.

Why might holding net shares be risky?

Holding increases concentration in one company and exposes more of your net worth to a single stock.

Does this include vest cliffs or monthly vesting?

No. The current version assumes even annual vesting for clarity and speed.

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RSU / Equity Compensation | WealthyNest