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For RSU, ESPP & public-company shareholdersRSUs, ESPPs & public-company equity
Different equity, same promise: understand what you hold, estimate the numbers that matter, and prepare for your next decision — in plain English, with the sources shown. If your company is public (or just IPO’d), start with the free tools below.
Where are you?
I have RSUs
They’re taxed as income when they vest — and the flat 22% withheld often isn’t enough. Check the gap before April.
RSU withholding calculator →I’m in an ESPP
The discount (and any lookback) can be one of the best returns in your pay. See what yours is actually worth.
ESPP calculator →I own private shares or options
Pre-IPO equity is a different set of questions — value, dilution, restrictions and selling. That’s the core of PrivateTechShares.
Private-company tools & guides →The free tools
Quick, no sign-up, and built on named sources. Each gives you a clear number and a plain-English read — the preparation an AI answer can’t.
RSU tax-withholding gap
Your employer withholds a flat 22% on vested RSUs, but your real rate may be 32–37%. See the shortfall you could owe at filing — and fix it before April.
Open →Is your ESPP worth it?
Turn the discount and lookback into a real number: your immediate gain, the price you pay, and how far the stock can fall before you lose.
Open →Single-stock concentration
RSUs + ESPP + salary all ride on one company. See what share of your investable wealth is in that single stock, with a plain-English risk read.
Open →83(b) decision helper
Hold restricted stock or early-exercised options? See what an 83(b) election could save — and mind the hard 30-day deadline.
Open →Go deeper — the Prep Pack
The RSU & ESPP Prep Pack $19
The calculators give you the number; the Pack gives you the decision, the paperwork and the sources. A plain-English guide (PDF) plus an editable Excel workbook — the withholding-fix steps, the ESPP sell-or-hold call, concentration, the 83(b) decision with a ready-to-edit election letter, and an equity pay audit. Written for US RSUs, ESPPs & 83(b).
Free: the Equity Starter Kit
Plain-English guides to the equity you hold — what it’s worth, how it’s taxed, and what to prepare before your next decision. Instant download, no email required.
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Questions people ask
What counts as “public-company equity” here?
Are the tools really free?
Do you give advice?
General information only — not financial, tax or legal advice. Figures in the tools use simplified assumptions and are for orientation only; confirm your own numbers with a qualified adviser.