For Tech Workers with RSUs

Your RSUs could be worth
2× more — or 60% less.
Here's how to know the difference.

Most tech workers leave six figures on the table by holding too much company stock — or spending RSUs like a bonus. Answer a few quick questions to see what your equity could become with a smart diversification plan vs. two common mistakes.

Free · No Account Required 60 Seconds Powered by Monte Carlo Engine

Mistake #1

Holding all your company stock — a single 40% drop can take a decade to recover.

Mistake #2

Paying unnecessary taxes by holding past vest — the spread between LTCG and ordinary income is real.

Mistake #3

Spending RSUs like a cash bonus — $100K spent today is $1.5M not had at retirement.

How much in RSUs do you receive each year (at grant value)?

Use the annual grant value — not the vested value — for a conservative estimate.

per year at grant

Press Enter or click Continue →

Your RSU Wealth Projection

Age 35 → 90 · Sell & Diversify vs. Hold vs. Spend

Monte Carlo Projection — 500 Trials

Sell & Diversify vs. Hold All Shares · Bands show p10–p90, solid lines show median (p50)

Here's What Taxes Take From Your RSUs

After-Tax Comparison at Retirement (Age 65)

Important: This projection is a simplified illustration for educational purposes only. It is not a guarantee, promise, or prediction of future performance. It does not constitute investment advice, tax advice, or a solicitation.

Results vary with each use and over time. This is a Monte Carlo simulation — its results are generated from random sampling, so running it again with the same inputs will produce different numbers, and the outputs will change over time as assumptions are updated. Treat what you see as a range of possible outcomes, not a forecast.

The compared scenarios are illustrative. "Sell & Diversify," "Hold," and "Spend" are simplified paths built to show a tradeoff; the "diversify" path uses generic diversified-portfolio assumptions and is not a representation that diversifying will outperform holding your company stock in your specific case.

Figures are shown before advisory fees. The projection does not deduct any investment-advisory fee; an actual advisory fee would reduce the results shown.

Past performance and hypothetical projections are not reliable indicators of future results. All investments carry risk, including the possible loss of principal.

What These Numbers Mean — and What They Don't

These are high-level estimates, not a financial plan. We used seven data points — your annual RSU value, existing stock, age, other assets, salary, state of residence, and stock return assumption — to run a Monte Carlo simulation with progressive tax modeling. Your real situation includes factors this calculator cannot capture.

What this projection doesn't account for: your vesting schedule and cliff dates, your existing account types and cost basis, debt obligations, spouse's income and equity, AMT implications, and your employer's stock purchase plan (ESPP) if available.

Why the details matter — a lot. A concentrated position in your employer's stock means your salary AND your portfolio both depend on the same company. If the stock drops 40%, you lose both income security and wealth simultaneously. The Monte Carlo simulation shows the range of outcomes — but an advisor can model your specific vesting schedule, tax lots, and diversification timeline to build a personalized strategy.

That's why we recommend speaking with an advisor. A 45-minute consultation can surface the factors this simple calculator cannot. There is no cost and no obligation.

View Full Assumptions & Methodology

Your RSUs could be worth2× more — or 60% less.Here's how to know the difference.

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Your RSUs could be worth
2× more — or 60% less.
Here's how to know the difference.