Enter your 2026 details to see how much you keep.
We estimate your federal income tax bracket based on the income you enter, then add the 7.65% FICA tax (Social Security & Medicare) that you avoid by using pre-tax accounts. Note: This does not include state tax savings, so your actual savings may be even higher.
For 2026, the Healthcare FSA limit is $3,400. The Dependent Care FSA limit remains at $5,000. The HSA limit is $4,450 for individuals and $8,750 for families.
For FSAs, yes! The full annual amount is available on Day 1. For HSAs, you accrue funds as you contribute from each paycheck.
If you are age 55 or older, the IRS allows you to contribute an additional $1,000 "Catch-Up" contribution to your HSA. Our calculator automatically factors this in.