🇺🇸 USA Tax Planning

HSA & FSA Calculator

Maximize your tax savings with Health Savings Accounts and Flexible Spending Accounts. Updated for 2024 IRS limits.

HSA/FSA Calculator

HSA (Health Savings Account) - Tax-advantaged account for those with high-deductible health plans. Funds roll over year to year.

HSA vs FSA: Which is Right for You?

HSA Benefits

  • ✓ Funds roll over year to year
  • ✓ Portable - you own it
  • ✓ Investment growth tax-free
  • ✓ Triple tax advantage
  • ✗ Requires HDHP insurance

FSA Benefits

  • ✓ Works with any health plan
  • ✓ Lower deductibles usually
  • ✓ Immediate access to full amount
  • ✗ Use-it-or-lose-it (mostly)
  • ✗ Employer-owned account

2024 IRS Contribution Limits

  • HSA Self-Only: $4,150
  • HSA Family: $8,300
  • HSA Catch-Up (55+): Additional $1,000
  • FSA Maximum: $3,200
  • FSA Carryover: Up to $640

Frequently Asked Questions

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