RSU Strategy Calculator
Compare: (1) sell-at-vest, (2) borrow to cover taxes, (3) deferred (double-trigger) vesting.
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Inputs
Company valuation at vest (B)
RSU value at vest ($)
Time to IPO (years)
IPO valuation (B)
Location / State (auto-fills tax rates)
Additional local tax (%)
Adds this % on top of the ordinary + capital gains tax rates (simple approximation; applies to both ST/LT).
Advanced tax rates (auto-set, editable)
Ordinary tax rate (combined)
LT cap gains rate at IPO (combined)
ST cap gains rate at IPO (combined)
Simplified “top-rate” defaults for scenario analysis. Override if needed.
Borrow cost to cover taxes (APR, annual, %)
%
Note:
Simplified model (not tax advice). Ignores brackets, AMT, withholding mechanics, and many state nuances.
Net value vs IPO valuation
Sensitivity of Borrow Cost vs Time to IPO (
150B
)
A marker at 1 year indicates that LT cap gains kick in.
Heatmap: Best strategy by IPO valuation & time
Color indicates which strategy yields the highest net value.