Equity Compensation Calculator
Sell your vested RSUs immediately, or hold for long-term capital gains? Honest math on the tax-timing question — including when the hold is a rounding error and concentration risk makes 'diversify anyway' the right answer.
Gross USD value of the vest at today's stock price
Per-share price at vest. Doesn't change the math — just for reference.
Expected annual return of the employer stock — drives the hold path
Expected return of the diversified alternative (e.g. an index fund) — drives the sell path. Hold only wins when the stock beats this.
Months you plan to hold. ≥12 qualifies growth for LTCG in both paths; <12 both pay short-term (ordinary) rates.
Total net worth. When set, the tool flags when a vest > 5% of your wealth AND holding at least matches selling — the diversification-for-nothing case.
- Principal
- $38,000
- + market growth (7.0% × 1.0y)
- +$2,660
- LTCG (15%)
- -$399
- Principal
- $38,000
- + stock growth (10.0% × 1.0y)
- +$3,800
- LTCG (15%)
- -$570
Sensitivity to the stock's return
crossover ≈ market return 7.0%
| Period | Hold path | Sell & reinvest (7.0%) |
|---|---|---|
| 0% | $38,000 | $40,261 |
| 2% | $38,646 | $40,261 |
| 4% | $39,292 | $40,261 |
| 6% | $39,938 | $40,261 |
| 8% | $40,584 | $40,261 |
| 10% | $41,230 | $40,261 |
| 12% | $41,876 | $40,261 |
| 14% | $42,522 | $40,261 |
| 16% | $43,168 | $40,261 |
| 18% | $43,814 | $40,261 |
| 20% | $44,460 | $40,261 |
| 22% | $45,106 | $40,261 |
| 24% | $45,752 | $40,261 |
| 26% | $46,398 | $40,261 |
| 28% | $47,044 | $40,261 |
| 30% | $47,690 | $40,261 |