Maximize your tax-free wealth. Access a specialized suite of compliance tools, wealth simulators, and tactical spending guides for FSA, HSA, and DCFSA management.
All tools and calculators are updated weekly to reflect the latest IRS Publications 502 & 969 guidelines.
Our calculators run locally in your browser. We do not store or transmit your personal financial data.
Generate LMNs, Appeal Letters, and Audit Risk Scores in seconds without a complex login process.
Stop overpaying the IRS. See how much salary you are losing to unnecessary taxes.
Strategic tools designed to protect your income and simplify administrative compliance.
Instant search database of over 1,500 FSA/HSA eligible products and medical services.
Search Database →Draft professional Letters of Medical Necessity to reverse borderline or "cosmetic" claim denials.
Start Draft →Our flagship 60-second diagnostic tool to find out exactly how much income you lose to taxes.
Run Audit →Project the 30-year growth of your HSA investments using the triple-tax advantage.
Run Simulation →Calculate your exact FICA and Income Tax savings based on your 2026 contribution limits.
Run Numbers →Scan your proposed healthcare purchases against current IRS Pub 502 audit risk factors.
Analyze Risk →Generate formal appeal letters using specific IRS citations for denied medical claims.
Generate Letter →Hand-picked, high-value health tech and skincare verified for FSA/HSA purchase.
Browse Items →Professional 1-on-1 review of denied claims and high-earner benefit optimization.
Get Expert Help →Comprehensive list of high-value "secret" items that are 100% eligible but often overlooked by administrators.
See LoopholesHow to use tax-free funds for luxury beauty and clinical skincare using the 'Active Ingredient' rule.
Execute StrategyMaximizing tax savings on prescription sunglasses and high-end vision assets for the family.
View HackThe rare medical necessity loophole that can get your professional whitening strips approved.
Read VerdictHow to split high-ticket vision correction costs across two tax years to double your savings.
See ProtocolStrategic management of DCFSA, high-tech monitors, and postpartum recovery eligibility.
Browse GuideFor HR teams and Finance professionals: Learn how to increase employee participation to reduce corporate payroll tax liability.
Employer ROI Tool