# Microsoft employee? Your salary, bonus and RSUs are one bet.

Spread it before your next vest. See what a fall would cost you, how Microsoft stock has behaved before, and how people spread it out.

## Three questions, your own numbers

**What-if only.** This is a scenario, not advice on what to do with your Microsoft shares. What you type stays in your browser.

*This page has an interactive calculator. Use it on the web page: https://rsu-hub.vercel.app/companies/microsoft/.*

## How Microsoft stock has behaved

Microsoft is one of the strongest businesses in the world. Its stock has still gone through stretches like these.

### The long wait

December 1999 to October 2016

**About 17 years** to get back above its 1999 high

Microsoft's shares peaked in December 1999. After the dot-com bust they went sideways for years, and the stock only passed that high in October 2016.

### The financial crisis

November 2007 to November 2013

**–59%** from the Nov 2007 peak to the Mar 2009 low

**6 years** to get back to that peak

From the peak on 1 November 2007 the stock lost more than half its value by 9 March 2009, and did not fully recover until 6 November 2013.

### The 2022 sell-off

November 2021 to June 2023

**–38%** from the Nov 2021 peak to the Nov 2022 low

**7 months** from that low to a new peak

From the peak on 19 November 2021 the stock fell by more than a third by 3 November 2022, then climbed back to its old peak by 15 June 2023.

Each time, the stock got back. The question for you is how long you can wait, and how much of your wealth is waiting with it.

Price moves only, dividends not included. This is history, not a forecast. Sources: [Fortune, Oct 2016](https://fortune.com/2016/10/21/data-sheet-friday-october-21-2016), [GeekWire, Oct 2016](https://www.geekwire.com/2016/microsoft-closes-week-time-stock-high-59-96-eclipsing-previous-1999-record-signaling-new-era/), [Trefis, Jan 2026](https://www.trefis.com/stock/msft/articles/589104/microsoft-stock-drop-looks-sharp-but-how-deep-can-it-go/2026-01-30).

Partner

### RSU Hub has partnered with Borderless

Borderless lets you open a US broker account from India, so you can diversify your existing US stocks in one place.

[Diversify](https://rsu-hub.vercel.app/diversify/?from=company-microsoft-after)

## Quick facts

- **Ticker:** NASDAQ: MSFT
- **Incorporated in:** United States

## What are your Microsoft RSUs worth in ₹?

*This page has an interactive calculator. Use it on the web page: https://rsu-hub.vercel.app/companies/microsoft/.*

## Tax and filing, the short version

The tax rules for RSUs of a US-listed company are broadly the same whichever employer you have: tax on vest day, capital gains when you sell, and Schedule FA to disclose the shares.

-   [How RSUs are taxed in India](https://rsu-hub.vercel.app/guides/how-rsus-are-taxed-in-india/)
-   [Schedule FA for RSU holders](https://rsu-hub.vercel.app/guides/schedule-fa-for-rsu-holders/)
-   [Estimate TDS and sell-to-cover](https://rsu-hub.vercel.app/tools/sell-to-cover-calculator/)
-   [Build your vest calendar](https://rsu-hub.vercel.app/tools/vest-calendar/)
-   [Why diversify your RSUs](https://rsu-hub.vercel.app/guides/why-diversify-your-rsus/)

## Check your own grant

Plan details vary by company and even by grant, so your grant documents are the final word. Look for these:

-   Plan administrator (which broker holds the shares)
-   How India payroll handles sell-to-cover
-   Typical vesting schedule and plan type (RSU, PSU, ESPP)
-   Trading blackout windows

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Source: https://rsu-hub.vercel.app/companies/microsoft/