FSA Tax Savings Calculator
Tax saved = contribution × marginal rate. Use-it-or-lose-it (with $640 max carryover 2025).
Result
Annual tax savings
$1,143
34.7% marginal × $3300.
- Contribution$3,300
- Federal22.0%
- State5.0%
- FICA7.65%
- Total marginal34.65%
- Tax saved$1,143
- Net cost$2,157
- Max carryover$640 (2025)
Step-by-step
- FSA = $3300 pre-tax.
- Marginal rate = 34.7%.
- Saved = $3300 × 0.3465 = $1,143.
How to use this calculator
- Enter contribution.
- Federal + state marginal rates.
- Read tax saved.
About this calculator
FSA (Flexible Spending Account) lets you set aside pre-tax dollars for medical, dental, vision, and dependent care expenses. 2025 healthcare FSA limit: $3,300; dependent care FSA: $5,000 (filing single or joint). FSA is "use it or lose it" — unused funds revert to employer at year end (or up to $640 carryover, plan-dependent). Best estimate of usage gives biggest savings.
Frequently asked
FSA: any health plan, $3,300 limit, lose unused. HSA: HDHP only, $4,300+ limit, rolls over forever, owned by you.
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