HSA & FSA Therapy Savings Calculator
See how much you can save on therapy by paying with pre-tax dollars through a Health Savings Account (HSA) or Flexible Spending Account (FSA).
Your Details
What you pay per therapy session
Your marginal federal income tax rate
Your state income tax rate (0% if no state tax)
Affects HSA contribution limits
Choose which account you want to use
You save
$1,121
per year with your HSA
Annual Therapy Cost
Tax Savings with HSA
Contribution Limit Check
Your therapy costs exceed the annual HSA contribution limit.
You can cover $4,150 with pre-tax dollars and pay $5,450 after-tax.
HSA vs FSA Comparison
Key difference: FSA saves an additional $245 in payroll taxes, but unused FSA funds may be forfeited at year-end.
This calculator provides estimates for educational purposes only. Actual savings depend on your specific tax situation, employer plan rules, and contribution timing. Consult a tax advisor for guidance tailored to your circumstances.