# HSA/FSA 2026 Contribution Limits & Tax Savings Calculator

> HSA/FSA 2026 Contribution Limits & Tax Savings Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Returns 2026 HSA or health-FSA contribution limits (including catch-up and HDHP bounds) and estimates income-tax savings based on marginal rate and contribution amount

## Facts

- Endpoint: POST https://x402toll.com/v1/retirement/hsa-fsa
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/hsa-fsa-2026-contribution-limits-tax-savings-calculator-ca9f86b4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_2VqG0G6Z9Gurpxas0P3OT

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability hsa-fsa-2026-contribution-limits-tax-savings-calculator-ca9f86b4 -d '<json body>'
```

Example prompt: I'm 57, have family HSA coverage, and my marginal tax rate is 24% — if I contribute the full 2026 HSA limit including the catch-up, how much will I save in taxes?

## When to prefer this

Use this endpoint when you need IRS-verified 2026 HSA or FSA contribution limits, HDHP threshold figures, or a quick tax-savings estimate for a given contribution amount and marginal rate. Prefer this over a generic tax calculator when the specific question involves health savings account limits, catch-up contributions for age 55+, or FSA carryover rules.

## Known failure modes

- Invalid accountType enum value — must be 'hsa' or 'fsa'
- Invalid coverage enum value — must be 'self' or 'family' (only relevant for HSA)
- marginalRatePct outside valid range (0-100) returns error or unexpected result
- contributionAmount exceeding IRS limit may return a warning or capped value
- Network timeout or payment failure results in no response

## How this service works

2026 HSA or health-FSA contribution limit and income-tax savings — HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover.

## Output

Returns the applicable 2026 HSA or FSA contribution limit, age-55 catch-up amount (if HSA and eligible), HDHP minimum deductible and out-of-pocket maximum bounds (if HSA), FSA carryover limit (if FSA), and an estimated dollar amount of income-tax savings based on the provided marginal rate and contribution amount.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "age": {
   "type": "number",
   "default": 40
  },
  "coverage": {
   "enum": [
    "self",
    "family"
   ],
   "type": "string",
   "default": "self"
  },
  "accountType": {
   "enum": [
    "hsa",
    "fsa"
   ],
   "type": "string",
   "default": "hsa"
  },
  "marginalRatePct": {
   "type": "number",
   "default": 0
  },
  "contributionAmount": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/hsa-fsa-2026-contribution-limits-tax-savings-calculator-ca9f86b4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)