Payroll contribution assumptions
The benefits calculator models the entered HSA or FSA payroll amount as reducing federal income-tax and FICA wage bases. Confirm that this assumption matches the actual payroll arrangement.
Eligibility and limits
The calculator does not test health-plan eligibility, permitted expenses, annual limits, carryover rules or employer contributions. Use official plan and IRS material for those decisions.
HSA or FSA payroll example
A $75 contribution on each biweekly paycheck totals $1,950 across 26 pay periods. The calculator models an eligible payroll contribution as reducing federal income-tax and FICA wage bases.
Frequently asked questions
Are HSA and FSA accounts the same?
No. They have different eligibility, ownership, reimbursement and carryover rules even when payroll contributions may receive favorable tax treatment.
Does the calculator check HSA or FSA contribution limits?
No. It models paycheck withholding and does not determine eligibility or enforce annual contribution limits.