{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/us/hsa-vs-fsa/schema.json",
  "title": "HSA Versus FSA Planning Worksheet — United States inputs",
  "description": "Compare explicitly eligible contribution scenarios, requiring confirmed annual limits and compatible plan coverage rather than outdated statutory defaults. USD planning view; stated limitations apply.",
  "type": "object",
  "properties": {
    "hsaContribution": {
      "title": "Eligible HSA contribution under consideration",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 3000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "confirmedHsaLimit": {
      "title": "Confirmed applicable HSA annual limit",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 0,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "fsaContribution": {
      "title": "FSA contribution under consideration",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 2000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "confirmedFsaLimit": {
      "title": "Confirmed applicable FSA annual limit",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 0,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "eligibleSpending": {
      "title": "Expected eligible expenses available to this FSA",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 1800,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "confirmedCarryover": {
      "title": "Plan-confirmed permitted FSA carryover",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 0,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "incomeTaxRate": {
      "title": "Applicable marginal income tax assumption",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 22,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "payrollTaxRate": {
      "title": "Applicable payroll tax saving on these salary reductions",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 7.65,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "eligible": {
      "title": "I have confirmed HSA eligibility and compatible FSA coverage",
      "type": "boolean",
      "default": false
    }
  },
  "required": [
    "hsaContribution",
    "confirmedHsaLimit",
    "fsaContribution",
    "confirmedFsaLimit",
    "eligibleSpending",
    "confirmedCarryover",
    "incomeTaxRate",
    "payrollTaxRate"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "20.16.0",
    "calculatorUrl": "https://askcalculators.com/us/hsa-vs-fsa/",
    "queryExample": "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",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "illustrative tax saving = eligible salary-reduction contribution × entered applicable tax rates.",
      "note": "Inputs are converted to canonical units before evaluating this stated formula."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/v20-us-hsa-vs-fsa.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "20.16.0",
      "referenceCoverage": "references-listed",
      "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
      "historicalMetadataDate": "",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "hsaTaxSaving": {
        "title": "Illustrative HSA tax saving",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2,
        "x-primary": true
      },
      "fsaTaxSaving": {
        "title": "Illustrative FSA tax saving",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      },
      "fsaUnused": {
        "title": "FSA amount not used for entered expenses",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      },
      "fsaForfeiture": {
        "title": "Modeled forfeiture after permitted carryover",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      },
      "fsaNetBenefit": {
        "title": "Illustrative FSA tax saving minus forfeiture",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      }
    }
  }
}