HSA vs FSA Calculator
HSA vs FSA Calculator
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HSA vs FSA Comparison Calculator
Compare Health Savings Account (HSA) versus Flexible Spending Account (FSA) benefits
Health Savings Account (HSA)
Flexible Spending Account (FSA)
Calculation Pending
This comparison calculator is still being migrated to the shared template. Inputs render correctly, but the calculation logic has not been wired up yet.
Tips
- ✓HSAs offer triple tax advantages
- ✓FSAs provide immediate tax savings
- ✓HSA funds roll over year to year
- ✓Consider your expected medical expenses
- ✓HSAs can be investment vehicles for retirement
Important Considerations
- ⚠FSA funds are use-it-or-lose-it
- ⚠HSAs require high-deductible health plan
- ⚠Investment losses possible in HSA
- ⚠Contribution limits change annually
Key Financial Terms
Understand the essential concepts behind this calculator
FSA (Flexible Spending Account)
A pre-tax account for medical expenses that must be used within the plan year or you lose the money (use-it-or-lose-it rule).
HSA (Health Savings Account)
A tax-advantaged savings account for medical expenses, available only with high-deductible health plans.
🏥 Healthcare Data Sources
• Individual coverage: $4,300
• Family coverage: $8,550
• Age 55+ catch-up: Additional $1,000
→ Source: IRS - HSA Contribution Limits
• Healthcare FSA: $3,300 maximum
• Dependent Care FSA: $5,000 per household
→ Source: IRS Notice 2024-75
• Historical average: 5-8% annually (significantly higher than general inflation)
• Medical CPI typically runs 2-3% above general CPI
→ Source: Bureau of Labor Statistics - Medical Care CPI
• Individual coverage: $8,435 annually ($703/month)
• Family coverage: $23,968 annually ($1,997/month)
→ Source: Kaiser Family Foundation - Employer Health Benefits Survey
• Individual: $9,200
• Family: $18,400
→ Source: Healthcare.gov - Out-of-Pocket Maximum
Important: Healthcare costs vary significantly by region, plan type, and provider network. These are national averages for planning purposes.
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⚠️ Important Disclaimer
This HSA vs FSA Calculator provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.