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HSA / FSA Tax Savings Illustration

Estimate a federal income-tax effect from an eligible amount and your marginal rate. This tool does not determine account eligibility or allowable contributions.

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Check the year and the account

For 2026, the published base HSA contribution limits are $4,400 self-only and $8,750 family; individual circumstances, employer contributions, eligibility timing, and applicable catch-up rules can change your available amount. Health FSA salary-reduction limits and employer terms follow separate rules. Use current official guidance rather than assuming the amount entered here is permitted.

IRS 2026 HSA amounts ↗ · IRS employer fringe-benefit guidance ↗ · IRS account rules ↗

The illustration excludes state and payroll tax effects and does not determine the treatment of a particular expense. Confirm your circumstances with the plan administrator or a qualified tax professional.