Estimate the age at which the future value of vested RSU proceeds reaches a target amount. The calculator treats the current after-tax RSU value as a starting investment balance, compounds it at your assumed annual return, and finds the first age at which the target is met.
This can help with long-range planning when you are deciding how vested equity might contribute to a retirement, education, home, or other future funding target. The model is intentionally simple: it does not add future RSU grants, taxes on investment returns, or withdrawals unless you incorporate those effects into your inputs.
1. Enter your current age
Use your age today as the starting point for the time calculation.
2. Enter the current RSU value
Use the after-tax amount you consider available as the starting invested value.
3. Set the target
Enter the future dollar amount you want the RSU-derived balance to reach.
4. Choose a return assumption
Apply a constant annual return to the balance for this scenario.
5. Set a maximum age
The tool checks each year until the target is met or this age is reached.
Where:
Assumptions: The calculator checks whole years and assumes no contributions or withdrawals. A negative return can prevent the target from being reached.
The result depends on a constant return assumption and does not include future grants, withdrawals, or investment taxes.
Change one assumption at a time to compare scenarios and understand which input has the largest effect on the result.
Given:
Calculation:
After 10 years, $50,000 × 1.07^10 is about $98,358. After 11 years it is about $105,243, which first exceeds the $100,000 target.
Result:
Estimated break-even age = 46.
Interpretation: Under a constant 7% return, the modeled balance reaches the target during the eleventh year after age 35.
It checks the balance once per year. The actual mathematical crossing could occur between birthdays, but the tool uses whole years for a simple planning result.
The title is focused on RSU vesting, so after-tax value is usually the cleaner starting point for personal planning. If you enter a pre-tax value, the result will not account for the tax reduction unless you adjust the input yourself.
Not directly. This model compounds one starting balance only. Future grants would require a multi-contribution cash-flow model.
The target is considered reached immediately, so years to target are zero and the break-even age is your current age.
No. It is a scenario assumption. Actual returns can be volatile and may be lower or higher, which changes the age at which the target is reached.