Interactive Tool
HSA vs. FSA savings calculator
Estimate your pre-tax savings and see how a Health Savings Account and a Flexible Spending Account compare. Adjust the inputs to match your situation.
Your details
2025 limit for this option: $4,300
Your estimated savings
Contributing $2,500 to a HSA could lower your taxable income and save an estimated $741 at a combined 29.6% rate (federal + state + FICA).
FSA: use-it-or-lose-it
FSA funds generally must be spent within the plan year; employers may allow a small carryover or grace period.
HSA: yours to keep
HSA balances roll over every year and stay with you even if you change jobs or health plans.
HSA can grow
Many HSAs let you invest your balance, so unused funds can grow tax-free for future medical costs.
This calculator provides estimates for general educational purposes only using 2025 IRS contribution limits and does not constitute tax or financial advice. Your actual savings depend on your income, filing status, plan eligibility, and applicable tax rules. Talk with an FBP advisor for guidance specific to your situation.