HSA tax savings calculator

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Employer money counts toward the yearly limit.

Your top federal bracket. Most households earning $50k–$200k are in the 12%, 22% or 24% bracket.

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Enter 0 if your state has no income tax (for example Texas, Florida or Washington).

Your results will appear here.
Adjust the numbers, then press Calculate.

Assumptions
  • 2026 HSA limits: $4,400 self-only, $8,750 family, plus $1,000 if 55 or older (IRS Rev. Proc. 2025-19).
  • Requires an HSA-eligible high-deductible health plan. Savings use your top federal bracket plus your state rate; payroll contributions also skip 7.65% FICA.

Powered by medpro.finance · Estimates for education only — not medical, insurance or financial advice. Confirm costs with your provider and plan.