Saved rate from 7 Oct 2026. Change it to use your own. For tax, the rate is the SBI TTBR. Ask your payroll which date they use.
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Sell-to-cover calculator
On vest day your employer sells some shares to pay the TDS. See roughly how many, and what you get to keep.
Approximate, includes 4% cess. Your payroll knows the real one.
On paper (perquisite)
₹14,50,950
Taxed as salary on vest day
TDS bill (estimate)
₹4,52,696
At 31.2%
Shares sold to cover
32
Rounded up to whole shares
Shares you keep
68
Worth ₹9,86,646
Shares are sold in whole numbers, so slightly more than the TDS gets raised (₹11,608 extra here). Your employer might do it differently, like selling everything or asking for cash, and TDS is not your final tax.
Want this estimate in your inbox?
We will email it so you have it on vest day.
The maths
- On paper (the perquisite) = units × share price on vest day × USD/INR rate.
- Estimated TDS = perquisite value × your marginal tax rate.
- Shares sold to cover = TDS ÷ value of one share, rounded up to a whole share.
The tax-rate presets are approximate: the 30% slab plus 4% cess, with surcharge where it applies. Your payroll team knows the rate it really uses.
Quick answers
What is sell-to-cover?
At vesting, your employer sells enough of the newly vested shares to pay the tax it must deduct, and credits the rest to your account.
Will my employer use exactly this number?
Not necessarily. Employers can round differently, use a same-day sale of all shares, or ask you to pay the tax in cash. Treat this as an estimate and check with your payroll team.
Is the TDS my final tax?
No. TDS is deducted on an estimate. Depending on your income you may owe more when you file, and some of it may be due earlier as advance tax.