HSA/FSA Savings Calculator
See exactly how much you save when you use pre-tax HSA/FSA dollars for medically necessary exercise. Instant calculation. No signup.
Your numbers
Adjust to see your actual savings.
Most working Americans land in the 25–32% range when federal income, state income, Social Security, and Medicare are combined. Higher earners in high-tax states often clear 35%+.
On $2,500/yr in fitness expenses at 28% effective tax rate.
Every $100 you spend on fitness through your HSA/FSA costs you $72 after tax. The remaining $28 stays in your pocket. Stack that across years and the numbers get serious.
How the math works
HSA and FSA contributions come out of your paycheck before federal income tax, state income tax, Social Security, and Medicare. That's typically a combined 25–35% effective tax rate for most working Americans.
When you use those pre-tax dollars to pay for medically necessary exercise (with a Letter of Medical Necessity), every $100 spent costs you about $65–$75 in real after-tax dollars. The remaining $25–$35 is straight tax savings.
On a typical $2,500/year in gym + training expenses, that's $625–$875 in real savings — far more than the cost of getting your Letter of Medical Necessity from DoctorNoted.