For Indians holding US-company RSUs
Too many eggs in one basket? How big is your RSU bet?
Your salary and your RSUs ride on one company. If it has a bad year, both can be hit. Two numbers, about a minute, and what you type stays in your browser.
Savings, funds, EPF, property all count.
- Free
- No sign-up
- Runs in your browser
Your RSUs, minus the confusion
Six small tools for the maths. Whatever you type stays in your browser.
RSU value in ₹
Units × price × rupee rate. See the pile in ₹.
Open itSell-to-cover calculator
How many shares vanish to TDS on vest day?
Open itHolding period checker
Short-term or long-term? And when does it flip?
Open itVest calendar (.ics)
Every vest date in your calendar, with a reminder.
Open itDiversification calculator
How much of your net worth rides on one stock?
Open itTax calendar
The dates that matter, with a countdown.
Open itWait, so how does this work?
Why one stock is riskier than it feels
- Your pay and your shares move together. If the company has a bad year, your bonus, your job and your RSUs can all be hit at once.
- Even strong companies can take years to recover. Microsoft took about 17 years to get back above its 1999 high. See how its stock has behaved.
- Diversifying doesn't promise more money. It limits how much one stock can hurt you.
Many tech employees end up with a big share of their net worth in one company's stock. In a survey of more than 1,000 tech workers, some held as much as 90% of their wealth in their employer's stock.
Source: Candor survey of 1,000+ tech workers, reported by a16z Future. US tech workers. No India-specific data found.
New here? Start here
Plain-English guides with rupee examples. No finance degree needed.
How RSUs are taxed in India
How RSUs are taxed in India: tax on vest day, TDS and sell-to-cover, capital gains and the 24-month rule, with a worked ₹ example.
3 min read Filing and complianceSchedule FA for RSU holders
Schedule FA for RSU holders in India: who files it, the calendar-year window, what to report for foreign shares and what happens if you miss it.
2 min read BasicsWhat is an RSU? A guide for employees in India
RSUs explained for people working in India: grant, vesting, sell-to-cover and what happens if you leave. No finance degree needed.
3 min readWhere do you work?
Pick your employer for the facts that matter to you.
Why you can trust this
One rulebook
Every rate, threshold and deadline lives in a single file. Fix it once and every page and tool is fixed.
Dated pages
Every guide shows when it was last updated, so you know how fresh it is.
Private by design
The calculators run in your browser, so nothing you type is sent anywhere.