GOLDEN HANDCUFFS // FYI 2026.RSU
LOCALIZED JURISDICTION STRIPE-PRIVATE • $42 Texas (TX)

Stripe RSU Tax in Texas (2026)

Localized tax model for Stripe employees residing in Texas. Evaluates statutory brokerage withholding (22% federal only), true marginal liabilities, and safe-harbor quarterly payments.

Preset Loaded: Stripe (STRIPE-PRIVATE) • Double-trigger RSUs or single-trigger liquidity event shares with quarterly vesting
Brokerage: Carta / Morgan Stanley at Work
Vest & Comp Parameters2026.1 PROTOCOL
$
#
$
Tax Filing Status
IRC § 3402(g) GAPEstimated April Tax Shortfall
$14,106

Your employer's brokerage will automatically sell shares at flat statutory rates (24.29% combined), leaving a $14,106 unpaid tax gap when your W-2 is filed in April.

Incremental Shares to Sell336 SHARES Liquidate manually upon vest to cover estimated federal & state gap
Net Shares Kept After Full Tax2313 / 3500 Retained value: $97,146
Total Gross Vest$147,0003500 shares @ $42/share
Brokerage Sell-to-Cover$35,705851 shares liquidated automatically (24.29%)
True Federal Liability$46,446 Marginal 35.00% bracket on total comp $337,000
State Tax (TX)$0 Statutory withheld: $0 (0.00%)
2026 FICA Withholding$3,365 SS ($184.5k cap): $0 • Med: $3,365
Actual True Total Tax$49,810 Effective true tax rate: 33.88%
SPONSORED FIDUCIARY ADVISORYSAFE-HARBOR MATCH
Match with a Fiduciary CPA to calculate quarterly safe-harbor payments

Pair with an Austin tech CPA to model federal safe-harbor withholding and optimize post-vest equity liquidation. Ensure Form 1040-ES and state vouchers protect you against IRS underpayment penalties (IRC § 6654).

Schedule 15-Min Safe Harbor Review

Texas Supplemental Tax Regulations for Stripe RSUs

Texas levies zero personal income tax on supplemental wages, RSU vests, or capital gains. Your statutory withholding is restricted exclusively to Federal supplemental (22%/37%) and FICA (Medicare/Social Security).

Texas Safe Harbor & Underpayment Penalties

No state safe-harbor required.

Employer Stock Plan Specifics: Carta / Morgan Stanley at Work

Stripe employees with settled RSUs or participating in internal secondary tender offers face tax withholding at 22% statutory rates. Because shares are illiquid outside tender windows, underwithholding is hazardous: you cannot easily sell additional shares later to satisfy your April IRS obligation.

When vesting at Stripe, Carta / Morgan Stanley at Work calculates automatic sell-to-cover withholding using Texas's statutory supplemental rate of 0.00% combined with the federal supplemental rate (22% on up to $1M). Because top earners in Texas reach marginal brackets exceeding these rates, you will face an incremental shortfall on April 15.

Localized CPA & Advisory Referral

Advisor Guidance: Pair with an Austin tech CPA to model federal safe-harbor withholding and optimize post-vest equity liquidation.

Other States for Stripe (STRIPE-PRIVATE)