RSU Tax Calculator: Vesting, Sell-to-Cover and Box 3
How your RSUs are taxed in the Netherlands, year by year: the Box 1 tax when shares vest (on top of your salary), the shares sold to cover it, and the Box 3 tax on the shares you keep.
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Result
| Year | Vests | Box 1 tax | Rate | Kept after tax | Box 3 next year |
|---|---|---|---|---|---|
| 2026 | € 31.500 | € 17.643 | 56.0% | € 13.857 | € 0 |
| 2027 | € 33.075 | € 18.525 | 56.0% | € 14.550 | € 0 |
| 2028 | € 34.729 | € 19.452 | 56.0% | € 15.277 | € 245 |
| 2029 | € 36.465 | € 20.424 | 56.0% | € 16.041 | € 563 |
Each vest€ 16.041
The grant vests in 4 equal parts, one at the end of each year, and the share price changes by 5% a year. A vest is taxed as salary in Box 1: the tax is Box 1 on salary plus vest, minus Box 1 on the salary alone.
Totals€ 64.164
Estimate using this year's rates for every year, equal yearly vesting and no other income. Your employer withholds wage tax at vesting, often at a different rate; the difference is settled in your tax return. Stock options are taxed when you exercise them (or, since 2023, when the shares become tradable, if you choose). Box 3 uses the notional return; the actual-return method can be lower. Not tax advice: equity plans differ, so check yours with a tax adviser.