HSA vs FSA tax savings calculator

Compare HSA and FSA tax savings, including HSA's triple-tax-free compounding for retirement-bucket use.

Annual contribution

2025 HSA limits: $4,300 self-only / $8,550 family. FSA limit: $3,300.Federal marginal tax %

State marginal tax %

FICA rate (payroll tax) %

Expected investment return %

Years held before using HSA balance

FSA has no carryover; HSA grows tax-free for decades. Set 0 for current-year use only.

HSA value at withdrawal

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