Stock Option & RSU Vesting Calculator — Free Equity
Model your equity vesting schedule, calculate pre-tax and post-tax value, and visualize your vesting timeline with charts.
| Period | Date | Shares Vesting | Cumulative | Pre-Tax Value | Post-Tax Value |
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What is the difference between RSUs and stock options?
RSUs are company shares given to you at no cost — they have value immediately. Stock options give you the right to buy shares at a set price (strike price). Options only have value if the stock price exceeds the strike price.
How does a vesting cliff work?
A vesting cliff is a waiting period (usually 12 months) before any shares vest. After the cliff, shares vest on a regular schedule. If you leave before the cliff, you get nothing.
What happens to unvested options when I leave?
Generally, unvested options are forfeited when you leave. Some companies offer accelerated vesting for certain events like acquisition. Check your grant agreement.
Are RSUs taxed when they vest?
Yes. RSUs are taxed as ordinary income when they vest. The company withholds taxes automatically. If you hold after vesting, additional gains are taxed as capital gains.