Your Profile
Contributions
2026 limit: $4,300
2026 limit: $3,300
Your Tax Savings
Triple tax benefit: federal + FICA + state
HSA Savings
Federal
$1,032
FICA (7.65%)
$329
State (5%)
$215
Total: $1,576
FSA Savings
Federal
$360
FICA
$115
State
$75
Total: $550
Combined Tax Savings
$2,126
Per year — that's free money from tax savings!
HSA
- ✅ Rolls over year to year
- ✅ Invest like an IRA
- ✅ After 65 = regular retirement $
- ✅ Portable between jobs
FSA
- ⚠️ Use it or lose it (Dec 31)
- ✅ Available immediately
- ✅ No HDHP required
- ⚠️ Not portable
Data Source & Legal Disclaimer
Effective: 2026-01-01
Last updated: 2 weeks ago
Update frequency: Annual
Sources: IRS Publication 969 — HSA & FSA
Tax savings are estimates based on assumed federal brackets. Your actual savings depend on your marginal tax rate, state laws, and eligibility. HSA requires a High Deductible Health Plan (HDHP). This is not tax advice.