HSA & FSA Calculator
Calculate your optimal contribution, see exactly how much you will save in taxes, and decide whether an HSA or FSA is right for you.
Your Information
Enter your details to calculate optimal contributions and tax savings
No state income tax
2026 HDHP: min $1,700 deductible (individual)
Your Total Tax Savings
$785
per year by contributing to tax-advantaged accounts
Optimal Contribution Strategy
Contribute $4,450 to your HSA. The triple tax advantage (tax-free contributions, growth, AND withdrawals) makes HSA the best option.
2026 HSA Limit
$4,450
Your Room
$4,450
Tax Savings Breakdown
2026 IRS Contribution Limits
Official IRS limits for HSA and FSA contributions
HSA (Individual)
$4,450
HSA (Family)
$8,800
HSA Catch-Up (55+)
+$1,000
FSA (Standard)
$3,400
HDHP Requirements for 2026
Min Deductible (Individual)
$1,700
Min Deductible (Family)
$3,400
Max Out-of-Pocket (Individual)
$8,550
Max Out-of-Pocket (Family)
$17,100
The HSA Triple Tax Advantage
No other account in the U.S. tax code offers all three tax benefits
Tax-Free Contributions
Every dollar you contribute to an HSA reduces your taxable income. At a 24% tax bracket, a $4,450 contribution saves you $1,068 in federal taxes alone.
Tax-Free Growth
Unlike a traditional savings account, your HSA grows tax-free. Invest in stocks or bonds once your balance exceeds $1,000 - gains are never taxed if used for medical expenses.
Tax-Free Withdrawals
When you use HSA funds for qualified medical expenses, you pay no taxes on withdrawals. This includes dental, vision, prescriptions, and thousands of other expenses.
HSA vs FSA: Which Is Right for You?
| Feature | HSA | FSA |
|---|---|---|
| Requires HDHP | Yes | No |
| 2026 Contribution Limit (Individual) | $4,450 | $3,400 |
| Funds Roll Over | $680 max | |
| Account Portability | Lost on job change | |
| Investment Options | No | |
| Catch-Up (55+) | +$1,000 | None |
| Use After Age 65 | Any purpose (taxed) | Medical only |
Bottom line: If you have an HDHP, always choose an HSA. The ability to invest your balance, keep funds forever, and use for any purpose after 65 makes it a superior retirement and healthcare savings vehicle.
Find the Lowest Prices for HSA-Eligible Procedures
Your HSA and FSA can be used to pay for any qualified medical expense - including cash-pay procedures. FairVisitHealth searches 9M+ providers and 20M+ price points to help you find the best prices, so your pre-tax dollars go further.
Dental & Vision
100% HSA/FSA eligible
Labs & Imaging
100% HSA/FSA eligible
Prescriptions
100% HSA/FSA eligible
Mental Health
100% HSA/FSA eligible
Frequently Asked Questions
Common questions about HSAs, FSAs, and maximizing your tax savings
Related Tools
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HSA/FSA contribution limits shown are based on IRS guidelines. 2026 limits are projections based on historical inflation adjustments and will be updated when the IRS publishes official limits. This calculator provides estimates only and does not constitute tax or financial advice. Consult a qualified tax professional or financial advisor for personalized guidance.