# HSA Versus FSA Planning Worksheet — United States

> Compare explicitly eligible contribution scenarios, requiring confirmed annual limits and compatible plan coverage rather than outdated statutory defaults. USD planning view; stated limitations apply.

Page: https://askcalculators.com/us/hsa-vs-fsa/
Definition: https://askcalculators.com/us/hsa-vs-fsa/definition.json
JSON Schema: https://askcalculators.com/us/hsa-vs-fsa/schema.json
Version: 20.16.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/us/hsa-vs-fsa/?hsaContribution=3000&confirmedHsaLimit=0&fsaContribution=2000&confirmedFsaLimit=0&eligibleSpending=1800&confirmedCarryover=0&incomeTaxRate=22&payrollTaxRate=7.65&eligible=0

## Inputs
- hsaContribution: Eligible HSA contribution under consideration; type=money; required; default=3000; min=0; max=1000000000000
- confirmedHsaLimit: Confirmed applicable HSA annual limit; type=money; required; default=0; min=0; max=1000000000000
- fsaContribution: FSA contribution under consideration; type=money; required; default=2000; min=0; max=1000000000000
- confirmedFsaLimit: Confirmed applicable FSA annual limit; type=money; required; default=0; min=0; max=1000000000000
- eligibleSpending: Expected eligible expenses available to this FSA; type=money; required; default=1800; min=0; max=1000000000000
- confirmedCarryover: Plan-confirmed permitted FSA carryover; type=money; required; default=0; min=0; max=1000000000000
- incomeTaxRate: Applicable marginal income tax assumption; type=percent; required; default=22; min=0; max=100
- payrollTaxRate: Applicable payroll tax saving on these salary reductions; type=percent; required; default=7.65; min=0; max=100
- eligible: I have confirmed HSA eligibility and compatible FSA coverage; type=checkbox; optional; default=false

## Outputs
- hsaTaxSaving: Illustrative HSA tax saving; format=currency; primary
- fsaTaxSaving: Illustrative FSA tax saving; format=currency
- fsaUnused: FSA amount not used for entered expenses; format=currency
- fsaForfeiture: Modeled forfeiture after permitted carryover; format=currency
- fsaNetBenefit: Illustrative FSA tax saving minus forfeiture; format=currency

## Formula
illustrative tax saving = eligible salary-reduction contribution × entered applicable tax rates.

Inputs are converted to canonical units before evaluating this stated formula.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.