How the comp tracker works
2026 tax year · Checked Oct 26, 2026
Each grant becomes dated vests, from its exact vest table when you have one or from its schedule. Past vests you record keep the price and exchange rate of their day; everything else is valued at today’s price and rate unless a what-if moves them. Pay by year adds salary, bonus and vests and takes out tax on the total.
Step by step
1. Vests
A grant’s exact vest table wins. Otherwise each year’s percentage is spread evenly over that year’s vests, vests before the cliff roll into the cliff date, and shares are whole and add up to the grant. A recorded vest within 31 days of a scheduled one replaces it.
2. Status
A vest you recorded is actual. A past vest you haven’t recorded is due, shown at schedule numbers until you confirm it. A future vest is expected.
3. Prices and currencies
Share prices are kept in the stock’s own currency. Dollars are shares × price ÷ the currency’s units per dollar. Future vests use today’s price and rate; a what-if can move either by a percent a year or to a typed value from a date, which holds until the next typed value.
4. Still to vest
Vests after today that aren’t forfeited, at today’s price and rate, with the next 12 months and the last vest date. Leaving forfeits that employer’s vests after the last day.
5. What-ifs and pay by year
A promotion grant is sized in dollars on its date, into shares at that day’s price and rate. Each year adds salary month by month, the bonus at its target in its month, one-time bonuses and the year’s vests, then takes out federal, state and FICA tax on the total and pre-tax 401(k). Each switched-on what-if gets its own column next to things as they are.
Figures used
- Recorded vest matches a scheduled one within
- 31 days
- Tax years
- 2026 brackets for every year
Assumed
- Future vests use today’s share price and exchange rate unless a what-if says otherwise.
- Vests are wages in dollars on the vest date for a US taxpayer, whatever currency the stock trades in.
- Future years use this year’s brackets and limits.
- One job: Social Security is figured as if it were your only one.
Not modeled
- Withholding on each vest and what you’ll owe at tax time; the RSU planner does that for one year.
- Selling shares: capital gains, cost basis and the dollar basis of foreign-currency shares.
- Foreign tax on vests, tax treaties and the foreign tax credit.
- Stock options and private-company equity (coming next).
Sources
These are estimates for education, not tax or investment advice. If a number looks wrong, report a problem with this calculation and say what you entered.