RSU Strategy Analysis - Full Calculator

RSU Calculator

Analyze your RSU vesting schedule and compare wealth outcomes across investment strategies

RSU Grants

Yellow cells are editable inputs.

Grant	Total RSUs	Vesting Frequency	Vesting Term (Yrs)	1-Year Cliff?	RSUs Already Vested	Qtrs Until Next Vest (cliff / yearly only)

Live Prices

Enter your company ticker and click Fetch. API key only needed as a fallback.

📊 Auto-Computed from 10 Years of Annual Returns

Stock Last Close

—

Stock Median Return

—

10-yr historical median

Stock Std Dev

—

10-yr annual return volatility

S&P 500 Median Return

+10.0%

Long-run historical assumption

S&P 500 Std Dev

15.0%

Long-run historical assumption

10-Yr Treasury Rate

—

Risk-free rate for Sharpe ratio

Current Stock Price ($) Last closing price of your company's stock

Current RSU Strategy

Effective Tax Rate (%) Federal + state combined rate

Custom Investment Expected Return (%) Annual return for your custom portfolio

Stock Projection Assumptions (standard deviations & Treasury rate are auto-fetched)

Company Stock Expected Annual Return (%) Used for stock price projection — override historical if needed

S&P 500 Expected Annual Return (%) Used for S&P strategy projection — override historical if needed

Your 401(k) Elective Deferral ($/yr) IRS max: $24,500/yr

Employer 401(k) Contribution ($/yr)

Mega Backdoor Roth Available?

Mega Backdoor Roth Contribution ($/yr) After-tax dollars contributed

Fund an HSA?

Backdoor Roth IRA?