🏥 Health
HSA vs FSA Calculator
HSA or FSA — which is right for you in 2026?
🏥 Your Health & Tax Profile
💰 Your Best Option
🏥 HSA (Health Savings Account)
📋 FSA (Flexible Spending Account)
💡 Key Insight
📌 5 HSA/FSA Tips
- ✓ HSA is the only triple-tax-advantaged account — pre-tax in, tax-free growth, tax-free out (for qualified medical). Beats 401(k) and IRA.
- ✓ FSA has use-it-or-lose-it — most FSAs require you to spend the money by year-end or you lose it. HSA rolls over forever.
- ✓ You can have BOTH HSA + FSA — Limited Purpose FSA covers dental/vision (doesn't conflict with HSA), letting you maximize tax savings.
- ✓ Save HSA receipts forever — pay medical bills with after-tax money, save the receipts, reimburse yourself years later (no time limit).
- ✓ HSA after 65 = traditional IRA — after 65, you can withdraw HSA money for any reason (just pay income tax, like a traditional IRA).
Disclaimer: This calculator uses simplified 2026 limits: HSA $4,300 self / $8,550 family; FSA $3,300. Actual limits and eligibility depend on your specific HDHP plan. For personalized advice, consult a tax professional or benefits administrator.