Tools
FSA / HSA Savings Calculator
See exactly how much you save in federal taxes by contributing to your pre-tax health account.
Not sure? Most households earning $45k–$100k are in the 22% bracket.
Your estimated savings
FICA savings apply to FSA and employer-sponsored HSA contributions deducted pre-payroll. Individual HSA contributions (made directly, not through payroll) save federal income tax but not FICA.
Savings by bracket — $2,000 contribution
| Bracket | Federal saved | FICA saved | Total saved |
|---|---|---|---|
| 10% | $200 | $153 | $353 |
| 12% | $240 | $153 | $393 |
| 22% ← yours | $440 | $153 | $593 |
| 24% | $480 | $153 | $633 |
| 32% | $640 | $153 | $793 |
| 35% | $700 | $153 | $853 |
| 37% | $740 | $153 | $893 |
FSA use-it-or-lose-it reminder
FSA funds expire December 31, 2026. Only contribute what you expect to spend in the year (plus up to $640 if your plan has a rollover). An HSA has no deadline — unused funds roll over forever.
Not tax advice
These calculations are estimates for illustrative purposes only. Actual tax savings depend on your complete tax situation. State income tax savings (not shown) may add 3–10% more depending on your state. Consult a tax professional for advice specific to your situation.