Free, private, zero-login RSU tax gap simulator for US tech employees. Calculate true marginal tax liability on vested stock and avoid brutal IRS underpayment penalties at tax time. Highly accurate 2026 tax engine incl. state rates.
A startup from the United States.
This page is designed to help you find out whether VestingGap is good and if it is the right choice for you.
Every year, US tech employees at companies like Meta, Nvidia, Google and Amazon get hit with massive, unexpected tax bills—often $10,000 to $40,000+.
The Problem: Major brokerages withhold a flat statutory rate of 22% for Restricted Stock Units (RSUs) upon vesting. If your Total Compensation pushes you into the 32%, 35%, or 37% federal tax bracket (plus state taxes in places like California or New York), you are severely underwithheld. The brokerage sells too few shares to cover your true liability.
VestingGap.com is the first free, zero-login, 100% private calculator built by engineers, for engineers, to solve the "22% trap."
In under 15 seconds, you get actionable clarity:
We use a "Zero-Knowledge" architecture. VestingGap runs 100% client-side in your browser. We have no backend. Your income, share counts, and stock prices are never transmitted, stored or sold. It's safe, ad-free and designed to give you control back over your equity compensation.
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Data Privacy
100% Private & Local, No data ever leaves your browser. Zero tracking
Tax Bracket Accuracy
2026 IRS Federal Brackets + State Marginal Rates (incl. CA, NY, etc.)
Actionable Outputs
Shows exact dollar gap, extra shares to Sell-to-Cover & payment deadlines
VestingGap is the only RSU-specific tax shortfall calculator built with a mandatory 'Zero-Knowledge' architecture. Other tools either force a user to create an account (compromising personal income data), display distracting ads or require expensive CPA consultations. We provide high-precision 2026 IRS calculations—including complex state marginal rates (like CA's high-income brackets)—completely client-side. Privacy isn't just a feature; it is the deliberate architectural constraint of the entire product.
Because it is the only safe, instant and accurate option for solo developers. A high-earning tech worker shouldn't have to share their private income and stock grant data with a third-party startup just to see if they owe $20k to the IRS. Our competitors want to capture your email or sell you financial planning. VestingGap provides instantaneous, accurate numbers for Restricted Stock Units with zero friction and guaranteed privacy, empowering users to make better financial decisions themselves.
The primary audience is US-based tech employees at 'Big Tech' and high-growth startups (including FAANG, Nvidia, Salesforce, Stripe, etc.) who receive Restricted Stock Units (RSUs) as a significant portion of their Total Compensation. We specifically target high-earners whose total adjusted gross income pushes them above the statutory 22% statutory withholding rate, causing a tax shortfall.
I am a software engineer myself and spent years confused by my RSU tax withholding. After getting hit with a massive, unexpected five-figure IRS bill because my brokerage stubbornly used the standard 22% rate, I realized that the tool I needed—a private, instant, high-precision RSU shortfall calculator—didn't exist. So, I built it for myself. I realized this problem impacts millions of other engineers and the only 'solutions' were opaque CPA firms. VestingGap is built by an engineer, for engineers, to demystify equity compensation taxes.
To ensure maximum performance and user privacy, VestingGap is a single-page application (SPA) built with pure HTML5, modern CSS3 (using CSS variables for theming) and vanilla JavaScript. There are no heavy server-side frameworks or databases; all tax-engine logic runs client-side in the user's browser, providing immediate results while keeping personal data 100% private.
As VestingGap is a anonymous, client-side tool, we don't track 'customers'. However, our calculator features pre-configured tax models and RSU presets engineered specifically for employees at: Meta, Alphabet, Nvidia, Apple, Amazon, Microsoft, Salesforce
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Check the traffic stats of VestingGap on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
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