US 2028 RSU Tax Impact

Heads up: official 2028 figures have not been announced yet — this tool uses projections from the latest confirmed rates and current law. We update it as soon as official numbers are published.

RSU 2028: taxed as ordinary income at vest. Default supplemental 22% withhold = often under-withhold for high earners. AMT on ISO exercise different.

RSUs vesting

FMV at vest ($)

Marginal bracket %

Tax Owed

—

Under-Withheld

—

Gross RSU value	—
Withholding (22%)	—
Actual tax (your bracket)	—
Under-withheld	—

RSU 2028 taxation: ordinary income at vest = FMV × shares. Employer withholds at flat 22% supplemental rate (federal). For 32%/35%/37% bracket employees: chronic under-withholding. Solution: file quarterly estimated taxes OR adjust W-4 to increase withholding. Failing to address = April surprise + underpayment penalty.

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Last updated May 2026. Sources: IRS.