Estimate how HSA payroll contributions affect take-home pay, federal tax, FICA, state tax models, and annual savings.
Payroll HSA contributions usually reduce federal income tax and FICA.
State model note: Federal-only estimate. Choose a state to add a modeled state tax where available.
Payroll HSA contributions can reduce federal income tax and FICA, which makes them especially tax-efficient when you are eligible.
This calculator separates HSA contributions from 401(k) contributions because the FICA treatment is usually different.
When contributed through payroll, HSA contributions usually reduce federal income tax and FICA wages, which can make the paycheck impact smaller than the contribution amount.
No. You generally need to be covered by an HSA-eligible high-deductible health plan and meet IRS eligibility rules.
They solve different problems. An HSA can be very tax-efficient for medical expenses, while a 401(k) is primarily a retirement account.
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