Mississippi RSU Vesting Tax Calculator
Calculate the taxes withheld when your RSUs vest in Mississippi. See federal 22%/37% supplemental withholding, Mississippi's 0% state rate, FICA, and how many shares are sold to cover it.
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Pre-filled: State DOR (regular method — estimate)
Net Value After Tax
Estimated • Based on your inputs
Total Tax Withheld
$1,483.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How This Calculator Works
Calculation methodology and assumptions
When your restricted stock units (RSUs) vest, the IRS treats the full fair market value of the shares as ordinary W-2 wage income on that date (IRS Publication 525) — not when the units were granted, and not when you eventually sell the shares. Because RSU vesting income is a "supplemental wage" under IRS Publication 15 (the same category as bonuses and commissions), employers withhold a flat 22% federal rate up to $1,000,000 of cumulative supplemental wages in the year (37% above that), rather than using your regular W-4 withholding. Mississippi does not publish a separate supplemental rate — employers combine the vest value with regular wages and withhold using the standard method, which this calculator approximates using Mississippi's top marginal tax bracket of 0%. Social Security (6.2%, capped at the $184,500 2026 wage base) and Medicare (1.45%, plus an extra 0.9% once your year-to-date wages exceed $200,000) also apply to the full vest value. Most employers satisfy this withholding automatically through "sell-to-cover": they sell just enough of your newly-vested shares at the vest-day price to pay the tax bill and deposit the rest into your brokerage account — this calculator estimates how many whole shares that takes.
Key State Information
Mississippi RSU vesting withholding: Mississippi has no separate bonus rate; employers use the regular method, though Mississippi's flat income tax rate means the effective result is similar. Federal supplemental withholding is 22% (37% above $1,000,000 in cumulative supplemental wages for the year), per IRS Publication 15.
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StateCalc Team
Editorial Team
The StateCalc team builds free financial calculators using data from official government sources including the IRS, U.S. Census Bureau, BLS, and state revenue departments. All formulas are validated by an automated test suite and cross-referenced against published data.
Our editorial standardsFrequently Asked Questions
How are RSUs taxed when they vest in Mississippi?
The fair market value of your shares on the vesting date is added to your W-2 as ordinary wage income. Mississippi withholds using its regular method rather than a special supplemental rate, on top of the federal 22% (37% above $1,000,000) supplemental withholding rate and standard FICA taxes.
Why is only 22% withheld from my RSUs if I'm in a higher tax bracket?
The 22% federal rate is a flat IRS-mandated withholding minimum for supplemental wages, not your actual tax rate. If your total income (salary plus RSU vests) puts you in the 24%, 32%, 35%, or 37% bracket, the 22% withheld at vest will likely under-cover your real tax bill, and you may owe additional tax when you file — this is one of the most common surprises for RSU recipients.
What does "sell-to-cover" mean for RSU taxes?
Most employers automatically sell a portion of your newly-vested shares — at the vest-day market price — to raise enough cash to pay the required federal, state, and FICA withholding, then deposit the remaining shares into your brokerage account. This calculator estimates how many whole shares are sold this way based on your total tax withholding and the vest-day share price.
Do I pay tax again when I sell my RSU shares later?
Only on any gain or loss after vesting. The fair market value at vest becomes your cost basis. If you sell later at a higher price, the difference is a capital gain (short-term if held one year or less from vesting, long-term if held longer); if you sell at a lower price, it's a capital loss. The value already taxed as wage income at vest is not taxed again.
Is RSU income subject to Social Security and Medicare tax?
Yes. RSU vesting income is treated as wages for FICA purposes, so it's subject to the 6.2% Social Security tax (up to the $184,500 2026 wage base, combined with your other wages for the year) and the 1.45% Medicare tax (with no cap), plus an extra 0.9% Additional Medicare Tax once your total wages for the year exceed $200,000.
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