Software Engineer
Software Engineer Paycheck Calculator
Factor in RSU vesting, annual bonus, and 401(k) to see your real take-home. Handles the 22% supplemental withholding rate on bonuses.
RSU vesting
Annual bonus
401(k) deduction
2026 brackets
Your compensation details
$
$
Withheld at 22% flat (supplemental)
$
Taxed as ordinary income at vest
%
2026 limit: $24,500 ($31,000 50+)
Annual take-home pay
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Per paycheck (bi-wk)
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Total taxes
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Effective rate
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Compensation breakdown
Tax breakdown (all income)
⚠️ RSU & bonus tax reality
Your employer withholds at 22% on bonuses and RSUs, but your actual tax rate on that income could be 32–37% if you're in a high bracket. You may owe additional tax at filing. Consider setting aside extra when large RSU tranches vest.
Your employer withholds at 22% on bonuses and RSUs, but your actual tax rate on that income could be 32–37% if you're in a high bracket. You may owe additional tax at filing. Consider setting aside extra when large RSU tranches vest.
💡 Tax optimization tips
- Max your 401(k) ($24,500 in 2026) — saves $7,520+ in federal tax at the 32% bracket.
- Consider a backdoor Roth IRA if you earn too much for direct contributions.
- NSO stock options are taxed as ordinary income at exercise; ISO options may qualify for long-term capital gains treatment.
- If your RSUs push you into AMT territory, consult a CPA before exercise.