FSA Tax Savings Calculator

Tax saved = contribution × marginal rate. Use-it-or-lose-it (with $640 max carryover 2025).

Inputs

2025 limit: $3,300 healthcare FSA.

Result

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General calculation reads

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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 vs. HSA?+
FSA: any health plan, $3,300 limit, lose unused. HSA: HDHP only, $4,300+ limit, rolls over forever, owned by you.
Dependent care FSA?+
Separate account, $5,000 limit. Day-care, after-school, elderly care for qualifying dependents.
How to estimate?+
Sum predictable expenses: copays, prescriptions, dental, vision, contact lenses. Conservative — leftover is forfeited.
Eligible expenses?+
IRS Pub 502 lists. Includes prescription drugs, OTC meds (with prescription), copays, mileage to medical, eyewear.
Married couples?+
Each spouse can have separate healthcare FSA up to $3,300. Dependent care FSA limit is per family.

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