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Just moved to the UK with US shares or RSUs? What's actually taxable

4 Aug 2026

"US shares" isn't one tax question, it's several, and moving to London doesn't collapse them into a single number. What you actually owe depends on which kind of US equity you're holding — RSUs still vesting, ESPP shares you already bought, or shares you're just sitting on — because UK tax treats each of those differently.

Unvested RSUs: still an employment income question

If you moved with RSU grants that haven't vested yet, nothing about the move changes the basic mechanic: vesting is the taxable event, taxed as employment income at that day's value. What the move can change is how much of a given tranche is UK-taxable at all — if you qualify as a qualifying new resident, Overseas Workday Relief sources each tranche over its own grant-to-vest window, and the portion of that window spent before you arrived can be exempt. See how RSU sourcing actually works for the mechanics — it isn't a flat fraction of your move-year income.

Shares you already own: a different part of the tax code entirely

ESPP shares already purchased, or any US shares bought outright before or after your move, aren't employment income going forward — they're capital. Two separate things can be taxable once you're UK resident:

Neither of these is an Overseas Workday Relief question — OWR only applies to employment income sourced to overseas workdays, not to investment income or gains on shares you already hold.

The double-taxation question

US brokers commonly withhold tax on dividends, and sale proceeds can trigger US reporting obligations depending on your visa and residency status there. The US-UK tax treaty generally prevents the same income being fully taxed twice, but working out the actual credit is specific to the income type and your circumstances — this is squarely an accountant question, not something workday tracking touches.

Where FIG Tracker fits in

FIG Tracker handles the RSU and OWR side — tranche-by-tranche sourcing over the actual grant-to-vest window, so the portion of vesting income properly exempt on workday grounds is calculated correctly. It doesn't calculate dividend tax, capital gains, or US withholding credits; those sit with your accountant alongside your wider foreign income and gains treatment.

FIG Tracker is a calculation aid, not tax advice. Always verify your figures and the treatment of non-RSU holdings with a qualified tax advisor.

Frequently asked questions

If I move to London with existing US shares, are they immediately UK-taxable?
Holding the shares itself isn't a taxable event. What's taxable, once you're UK resident, is income they generate going forward — dividends, RSU tranches vesting, or gains when you sell — not the fact you already owned them before you moved.
Are RSUs and ordinary US shares (like ESPP purchases) taxed the same way in the UK?
No. RSUs are taxed as employment income at vest, and may qualify for Overseas Workday Relief on the portion sourced to overseas workdays. ESPP shares you already own, and any shares bought outright, are typically a capital gains and dividend question instead — a different part of UK tax entirely.
Do I get taxed twice, once in the US and once in the UK, on the same shares?
Not normally in full — US withholding on dividends or sale proceeds is usually creditable against UK tax under the US-UK tax treaty, but the mechanics depend on the income type and your specific situation. This is a foreign tax credit question for your accountant, not something a workday calculator handles.