HSA / FSA Contribution Calculator

Year-specific contribution limits

Select 2024, 2025, or 2026 before entering a contribution. The calculator preserves each year's HSA and health-FSA limits rather than silently applying a current limit to a historical estimate. For 2026, the HSA limit is $4,400 for self-only coverage and $8,750 for family coverage, with a $1,000 catch-up for eligible account holders age 55 or older. The health FSA salary-reduction limit is $3,400 for plan years beginning in 2026.

How estimated tax savings are calculated

The tool caps the entered contribution at the selected limit and multiplies the allowed amount by the marginal tax rate you provide. That is a simplified income-tax estimate; payroll-tax treatment, state tax, employer contributions, and eligibility can change the actual savings. Dependent-care FSA rules and reimbursements are especially plan- and household-specific.

How the HSA balance projection works

The projection assumes the allowed annual contribution is made at the beginning of each year and then grows at the annual return entered. With a 0% return, projected balance is simply current balance plus annual contribution multiplied by years. A zero-year projection returns the current balance because no additional contribution has yet been made. The estimate assumes no withdrawals, fees, investment changes, or annual limit increases.