RSU Vest Explainer
Why did you get fewer shares than you vested?
Enter what vested. See exactly which shares became taxes, and which ones you actually keep.
| Vested | 250 sh | $100,000 |
| Federal (22%) | − 55 sh | $22,0001 |
| State | − 26 sh | $10,2302 |
| Social Security | − 10 sh | $4,0863 |
| Assumes salary is earned evenly since Jan 1. If you started this year partway through, or got a raise, your actual year-to-date wages may be higher — which would reduce this further, since Social Security stops applying once you cross the wage base. | ||
| Medicare | − 4 sh | $1,6174 |
| Rounding (returned as cash) | — | +$67 |
| Received | 155 sh | $62,000 |
22% was withheld here. Based on a $185,000 salary, your estimated marginal federal rate is 35% — that gap doesn't disappear, it becomes tax owed when you file.
Sources
- Federal (22%). Federal supplemental withholding rates (22% and 37% over $1M) are fixed by IRS regulation, not estimated. www.irs.gov/publications/p15t
- State. California 2026 rates are official — the FTB 2026 schedules. www.ftb.ca.gov/file/personal/tax-calculator-tables-rates.asp
- Social Security. Social Security and Medicare rates are fixed by federal law; the 2026 Social Security wage base is from the SSA's official announcement. www.ssa.gov/oact/cola/cbb.html
- Medicare. Social Security and Medicare rates are fixed by federal law; the 2026 Social Security wage base is from the SSA's official announcement. www.ssa.gov/oact/cola/cbb.html