Instant HSA “Discount” Calculator
Combined tax avoided on HSA dollars (with payroll):
—%
(income tax + FICA 7.65%)
—%
(income tax + FICA 7.65%)
$0 pay with HSA via payroll
You save $0 vs. paying with after-tax cash.
$0 if funded outside payroll (income-tax only)
Saves $0; no FICA savings.
FICA = 6.2% Social Security (to the wage base) + 1.45% Medicare. State rules vary—this tool shows federal only.
Instant HSA “Discount” Calculator
Combined tax avoided on HSA dollars (with payroll):
—%
(income tax + FICA 7.65%)
$0 pay with HSA via payroll
You save $0 vs. paying with after-tax cash.
$0 if funded outside payroll (income-tax only)
Saves $0; no FICA savings.
FICA = 6.2% Social Security (to the wage base) + 1.45% Medicare. State rules vary—this tool shows federal only.
Instant HSA “Discount” Calculator
Combined tax avoided on HSA dollars (with payroll):
—%
(income tax + FICA 7.65%)
—%
(income tax + FICA 7.65%)
$0 pay with HSA via payroll
You save $0 vs. paying with after-tax cash.
$0 if funded outside payroll (income-tax only)
Saves $0; no FICA savings.
FICA = 6.2% Social Security (to the wage base) + 1.45% Medicare. State rules vary—this tool shows federal only.