See what your 2026 RSU withholding may leave unpaid

How the estimate works

• It figures the income tax on your vests across your whole income range, so the result is a range. The total at the top adds up only what may be owed at each income in your range, so it can be narrower than the federal and state gap rows added together. Federal and state are separate returns, so extra withholding on one is shown on its own line and doesn't pay the other.
• For federal tax, it uses the 2026 brackets and standard deduction, and it assumes the tax withheld from your salary and bonus covers the tax on that pay.
• For state tax, it uses the state's rate schedule or flat rate, its deductions and exemptions, some of its credits, and any extra tax on high incomes, including amounts that phase in or out as income rises.
• Where the estimate uses a state's flat withholding rate for bonuses and stock pay, it assumes your employer used that rate, and the state gap is the tax on your vests minus what that rate withholds. For other states, the page shows the state tax on your vests to compare with your pay stubs.
• The estimate assumes federal withholding of 22% on the first $1 million of vests, or the rate you enter. Above $1 million, the IRS requires 37%. The $1 million counts each person's supplemental pay, such as bonuses and vests, from one employer. A bonus paid earlier in the year can move part of your vests past it sooner. If a couple's vests are split between them, less may be withheld, and the gap can be larger.
• Tax is figured from each published rate schedule and shown to the nearest $100. A state's tax table can differ from its schedule by a few dollars.
• It uses one state, where you lived in 2026. If you moved, or worked in another state while your shares vested, more than one state may tax them.
• Social Security, Medicare and the 0.9% additional Medicare tax are left out. So are other income, federal tax credits, some state tax credits, the alternative minimum tax and local income taxes, such as New York City's, Maryland's county taxes, and Ohio and Pennsylvania local taxes.
• If you itemize, your result can be different. A vest also raises your income, which can shrink your deduction for state and local taxes and make your gap larger.
• Where a state had not published its 2026 figures when this page was checked, or its own 2026 instructions say to use earlier ones, the estimate uses the earlier figures, and Rates used shows which year they are from.

Rates used

Deductions are shown at the low and high ends of your income range, before the vests.