HSA Calculator

The triple tax advantage, visualized

HSA Details

Contributions
2025 limit: $4,300 self / $8,550 family
FSA Compare

FSA contributions are pre-tax (federal + state + FICA), but unspent funds are forfeited each year (above the $640 carryover limit). No investment growth.

2025 limit: $3,300 (health FSA)
HDHP Premium Savings

HDHPs typically have lower premiums than traditional plans. Add any annual premium savings here — this calculator routes those dollars into your HSA each year.

Assumptions
Tax Rates

HSA Balance

Tax Savings

vs Taxable Account

FSA Net Benefit

HSA vs FSA vs Taxable Growth

Year-by-Year Breakdown

Year-by-year HSA, FSA, and taxable account comparison
Year HSA In HSA Balance FSA Cumulative Net FSA Forfeited (yr) Taxable Balance