FSA Calculator
Contribution × tax rate, minus unused dollars in a use-it-or-lose-it sketch. Click any i for detail.
FSA
Annual contribution ($)
i
Contribution
What you plan to elect. IRS annual limits change — type the number on your plan docs. |
|
|---|---|
Marginal tax rate (%)
i
Rate
Federal (and optionally state) sketch. We do not look up brackets. |
|
Expected eligible spend ($)
i
Spend
What you think you will actually use this plan year. |
How to use this calculator
- Enter the election.
- Enter your marginal rate sketch.
- Enter expected spend.
- Unused dollars in this model offset the tax save.
Results explained
Tax save ≈ contribution × rate. Unused = max(0, contribution − spend). Net = tax save − unused. FICA and employer contribs are not added.
Quick reference: FSA vs HSA
FSA is usually use-it-or-lose-it (with limited exceptions). HSA can roll.
| Item | Detail |
|---|---|
| $3,200 × 24% | $768 tax save |
| $400 unused | Eats the benefit in this sketch |
| HSA growth | HSA calculator |
| Dependent care FSA | Same arithmetic if you enter that election |
Eligible expenses are plan-defined — not a medical-advice list.
How the estimate is built
save = contrib × rate. unused = max(0, contrib − spend).
Example scenario
$3,200 election, 24%, $2,800 spend → $768 save, $400 unused, net $368 in this sketch.
FAQ
HSA instead?
Use the HSA calculator — different rules.
Payroll FICA save?
Not in this federal-marginal sketch; add it yourself if you want.
Limit this year?
Read the IRS / employer notice — we do not freeze a year into the page.