Check HSA eligibility, see your remaining contribution capacity, get a suggested payroll election, and compare an HSA against a Flexible Spending Account for your expected healthcare costs.
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Before You Begin
This tool produces an educational estimate, not a guarantee of eligibility or a substitute for your plan documents. It never assumes a plan is HSA-qualified from deductible/out-of-pocket numbers alone, and never assumes your employer offers the maximum FSA carryover.
Month-by-month HSA eligibility is simplified to a single "months eligible" count rather than a full calendar grid, and the last-month rule is never applied automatically.
This isn't personalized tax, legal, or benefits advice. For a final answer, confirm with your plan documents, benefits administrator, or a tax professional — especially near any eligibility boundary.
Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
Your Results
Fill in what you have above, then select "See My Contribution Plan" to see your results.
HSA Eligibility
Your Contribution Plan
Verification Checklist
Assumptions & Rules Used
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