HSA & FSA tax savings calculator

$4,400 for self-only HDHP coverage, $8,750 for family coverage (IRS Rev. Proc. 2025-19), plus an additional $1,000 catch-up if you're 55 or older -- that catch-up figure is fixed by statute, not inflation-indexed, and has been $1,000 since 2009.

$3,400 (IRS Rev. Proc. 2025-32), up $100 from 2025's $3,300. If your employer's plan permits a carryover into the next plan year, the maximum carryover is $680.

$7,500 ($3,750 if married filing separately) -- a real increase, not a typo: OBBBA §70404 raised this from $5,000 ($2,500 MFS) starting in 2026, the first change to this figure since 1986. If you're using a calculator or spreadsheet built before mid-2025, it likely still shows the old $5,000 figure.

Yes -- and this is what makes HSA/FSA meaningfully different from a traditional 401(k). A 401(k) deferral reduces federal (and usually state) taxable income but NOT Social Security or Medicare wages. An HSA or FSA payroll contribution, made through a Section 125 cafeteria plan, is excluded from all of federal income tax, Social Security tax, and Medicare tax alike -- see the FICA savings line in the calculator below.

Most states follow federal treatment, but not all -- California and New Jersey are known exceptions that tax HSA contributions at the state level despite the federal exclusion. This calculator assumes federal conformity by default and discloses that assumption; it does not verify each state's own statute.