Free HSA vs FSA Calculator — Which Health Account Saves You More?
Compare the immediate tax savings of an HSA plus HDHP with a traditional plan plus FSA, then look at the long-term compounding advantage if HSA contributions stay invested for decades.
Enter your numbers
For the premium difference field, use a positive number if the HDHP costs more each month and a negative number if the HDHP is cheaper than the traditional plan.
Side-by-side comparison
| Metric | HSA + HDHP | FSA + Traditional |
|---|
Your results
HSA annual tax savings
$0
FSA annual tax savings
$0
30-year HSA value
$0
Break-even premium
$0
Enter your numbers to compare the two options.
Want the full HSA strategy?
The calculator gives you the math. The full guide shows how to invest an HSA, save receipts, compare providers, and use the account as an extra retirement asset.