What is RSU concentration?

RSU concentration is the share of your investable portfolio represented by vested employer stock. Salary, future grants and career prospects may increase your overall dependency on the same company even though they are not included in the calculator percentage.

What is a safe percentage to hold in employer stock?

There is no universal safe percentage. The decision depends on goal timing, liquidity, other assets, future awards, salary dependency, taxes and your ability to absorb a large fall in the share price. The result is a discussion prompt, not a recommended limit.

Should unvested RSUs be included in my portfolio value?

Unvested awards are normally better shown separately because they remain conditional on plan terms, employment and future market value. Essential goals should not rely on them as though they were liquid investments today.

Does SoHo Wealth receive or store the values I enter?

No. The calculation runs locally in your browser. Values are not uploaded or saved by this worksheet. Do not enter account numbers, login details or other sensitive information.

Free browser-only tool

RSU concentration calculator for Indian professionals.

See how much of your liquid investment portfolio depends on one employer—then bring the result into a clearer conversation about goals, taxes and diversification.

Private, browser-only worksheet

Measure the holding—and the dependency around it.

The first percentage measures vested employer stock. The second adds unvested awards and same-sector investments. Salary remains separate because it is income, not an investment.

Nothing is uploaded or saved

Use approximate values only. Never enter account numbers, credentials or confidential plan documents.

Employer-dependency snapshot

Approximate current values

Vested employer shares (₹)Current market valueOther liquid investments (₹)Funds, stocks, debt and cashUnvested awards (₹)Approximate current valueAnnual salary and bonus (₹)Shown as career dependencySame-sector investments (₹)Outside employer stockA major goal depends on selling these sharesFor example: home purchase, education, retirement or a career break.

Current concentration

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Broader equity dependency

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Planning signal

Enter values to begin

Income dependency: ₹0 a year. This is not included in either percentage.

Take the decision check Download planning pack

Educational planning signal only—not a safe limit, sell recommendation, tax computation or suitability assessment.

Put the percentage in context.

The visible holding is only one layer of employer dependency. A useful review also maps salary, bonuses, future vesting, trading windows, goal deadlines and the records your tax professional needs.

Read the complete RSU guide Book an RSU portfolio review

Educational illustration only. This tool does not provide tax, legal, FEMA or security-specific advice and does not recommend a concentration limit or a sale.

RSU Concentration Calculator FAQs

Measure the holding—and the dependency around it.

The first percentage measures vested employer stock. The second adds unvested awards and same-sector investments. Salary remains separate because it is income, not an investment.

Nothing is uploaded or saved

Use approximate values only. Never enter account numbers, credentials or confidential plan documents.