HenryCalc
RSU vesting calculator
Project the value and timing of your RSU vesting schedule over the remaining years.
Seeing your vesting schedule
Restricted stock units release on a schedule - often over four years, vesting annually or quarterly. Each tranche is taxed as ordinary income on its vest date at that day’s share price. Projecting the schedule helps you plan around big vest dates, concentration risk, and the tax that lands with each one.
What this calculator estimates
Enter your unvested share count, the current price, the years remaining, how often shares vest, and an expected annual growth rate. The tool spreads the shares evenly across the remaining periods, grows the price over time, and shows the projected value of each tranche and the total.
Why model a range
Unvested RSUs are not cash. Their value moves with the stock and disappears if you leave before vesting. Rather than treat today’s price as fact, set a growth assumption to see how the total shifts - then revisit it as the price and your plans change. Each tranche also creates a tax event, so pair this with an RSU tax estimate to understand the after-tax value.
Frequently asked questions
- How does RSU vesting work?
- RSUs vest on a schedule - commonly four years, with shares releasing annually or quarterly. Each tranche becomes yours (and taxable as income) on its vest date based on the share price that day.
- How should I value unvested RSUs?
- Unvested RSUs are worth the current price times the shares, but the price will change before they vest. Modeling a growth assumption gives a range rather than a single false-precision number.
- Are unvested RSUs guaranteed?
- No. Unvested RSUs are forfeited if you leave before they vest, and their value moves with the stock. Treat the projection as a planning estimate, not locked-in compensation.
Last reviewed January 2026. This calculator provides general educational estimates based on the inputs you enter and simplified assumptions. It is not financial, tax, legal or investment advice, and figures may differ from your actual liability. Verify with a licensed CPA or financial advisor before acting.