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Planning & decision tool
Equity-comp true take-home calculator
A job offer's headline number is rarely what lands in your bank account. Enter the base salary, bonus, and RSU value of an offer and this shows what is actually spendable after federal tax, payroll, surtaxes, and state tax, with a line-by-line breakdown of what each layer takes. It also shows why the standard withholding on RSUs is not the real tax you owe.
Background reading: Equity compensation
Estimated annual take-home
$251,443
44.1% effective rate on $450,000 gross
Where the gross goes
Gross compensation$450,000
Federal income tax-$120,634
Social Security-$11,439
Medicare-$6,525
Additional Medicare-$2,250
State tax (estimated)-$57,709
Take-home$251,443
Where this goes next
This estimates your spendable take-home; it does not tell you to take or reject an offer, or where to live. That is a conversation with a CFP.
Assumptions and simplifications
- Base, bonus, and RSU value are all treated as ordinary wage income; RSUs are taxed at vest, not as a separate capital gain.
- State income tax is approximated at the state top marginal rate applied to taxable income, which overstates it for graduated states at lower incomes; full state brackets are a future enhancement.
- The estimate excludes benefits, pre-tax deductions (401k, HSA, health premiums), itemized deductions, and credits; Social Security stops at the wage base and Medicare has no cap.
- The 22% default supplemental withholding on RSUs is a withholding rate, not the true tax; this computes the true tax.