Everything about getting paid in shares: what the taxman takes at vest, how to close the withholding gap, where to park the cash, and how to see the whole picture. This section was formerly EquityStack.
Your employer withholds 22% federal tax when RSUs vest. If you're in a higher bracket, that gap becomes an April surprise. Here's the math and the quarterly estimated-tax fix.
NSOs are taxed as ordinary income at exercise, ISOs can dodge regular tax but trigger AMT, and RSUs are taxed at vest. One comparison table, the 2026 rates, and the traps to avoid.
An 83(b) election lets you pay tax on restricted stock at grant — when it's cheap — instead of at vesting, when it may be worth six figures. But the 30-day deadline is absolute, and it doesn't work for RSUs.
RSU withholding covers 22% federal tax, but your bracket may be 32% or higher. Four estimated-tax dates a year close the gap. Here's the calendar, the safe harbor, and the math.
The mega backdoor Roth lets high earners get tens of thousands into Roth accounts each year. How after-tax 401(k) contributions and Roth conversions work, with 2026 IRS limits.
Vest money sitting in checking earns nothing. Five places to park cash between RSU vests compared: HYSA, money market funds, T-bills, CDs, and brokerage sweeps.
A step-by-step walkthrough of setting up a free net-worth dashboard that pulls your bank, brokerage, and 401(k) accounts into one view.