RSU (Restricted Stock Unit) Vesting Value Calculator

Track exactly how many RSUs have vested and their current value. See your full vesting schedule and future vesting events.

Total restricted stock units in your grant

Total time to full vesting (typically 4 years)

No vesting until this period (typically 12 months)

Current market price per share

Stock price when RSUs were granted

Time elapsed to see vested portion

Vested RSUs = Total RSUs × (Time Passed / Total Vesting Period)\nCliff = All or nothing until cliff period ends\nVested Value = Vested RSUs × Current Price\nUnvested Value = (Total - Vested) × Current Price
5,000 RSUs, 4-year vest, 1-year cliff\nCurrent: 1.5 years passed, Stock: $150\n\nVested = 5,000 × (1.5-1)/(4-1) = 833 RSUs\nVested Value = 833 × $150 = $125,000\nNext cliff: Year 1 (1,250 RSUs)

What are Restricted Stock Units (RSUs)?

RSUs are company stock granted to employees that "vest" (become yours) over time. Unlike stock options, you don't buy them - they're a gift of stock. When they vest, you receive shares (or cash equivalent). They're taxed as ordinary income at vesting based on the stock price at that moment.

How is RSU vesting taxed?

At each vesting event, the RSU value on that date is taxed as ordinary income (like salary). The company withholds taxes (typically 22-37% federal + state). The shares you receive have your cost basis set at the vesting price. Later price appreciation is capital gains when sold. Each vesting is a tax event.

What is a vesting cliff?

A cliff is a waiting period before ANY shares vest. Common: 1-year cliff = 0% vested until exactly 1 year, then 25% vests at once. This rewards staying. After cliff, vesting is typically monthly or quarterly. If you leave before cliff, you get nothing. This protects companies from short-term departures.

What does it mean when RSUs "vest"?

Vesting means you earn ownership of the shares. Before vesting, they belong to the company. At vesting, you receive actual shares (or cash equivalent), owe income tax, and can sell. Unvested RSUs are lost if you quit. "Cliff" vesting means you get nothing until a specific date, then they all vest at once.

Can I sell my vested RSUs immediately?

Usually yes, unless you're in a blackout period or have a holding requirement. Many companies automatically sell enough shares at vesting to cover taxes ("sell to cover"). You can hold the remaining shares or sell them. Some require you hold for a period - check your specific grant agreement.

What happens to unvested RSUs if I leave?

If you quit before vesting completes, you forfeit all unvested RSUs - they return to the "pool." Sometimes companies offer "severance vesting" - you get partial vesting based on months worked. This is negotiated individually. Acquisitions can trigger "single trigger" (automatic full vest) or "double trigger" (vest if fired after acquisition).

How do I calculate my RSU value?

Should I hold or sell RSU shares after vesting?

Consider: (1) Diversification - one stock is risky, (2) Tax efficiency - selling locks in capital gains treatment, (3) Company confidence - do you believe in the stock? Many financial advisors recommend selling enough to cover taxes and diversify the rest. Holding concentrated stock carries significant risk if the company declines.