# FSA payroll deduction calculator · FSA paycheck calculator (2026)

A health flexible spending arrangement (FSA) is usually a cafeteria-plan salary reduction. It generally comes out of federal, state, and FICA wages. Takehome Cash has no dedicated FSA box. This page puts about $130 on the existing pre-tax health line each biweekly check as an FSA proxy, under the 2026 $3,400 employee limit in IRS Revenue Procedure 2025-32.

Health FSA employee deferrals typically reduce FICA as well as income tax. That is the same health-line approximation used on the HSA page, for a different product. An FSA is usually use-it-or-lose-it, with an optional carryover cap of $680 for 2026 in that same revenue procedure. An HSA is a portable account with different IRS limits. This page is not HDHP testing and not a dependent-care FSA calculator.

The $130 biweekly sample is about $3,380 a year ($130 × 26), under the $3,400 health FSA salary-reduction limit. We do not cap the field. Employers can set a lower plan limit. Dependent-care FSAs are a different Code section and are not this widget.

Compare the no-FSA row with the health-line row. Reviewed October 2, 2026.

## Sample estimates

### $80k CA biweekly, no FSA/health line

- Gross: $79,999.92
- Federal income tax: $8,769.98
- Social Security: $4,960.00
- Medicare: $1,160.00
- State income tax: $3,210.41
- Net / take-home: $60,859.53 (effective tax 23.9%)
- Per paycheck net: $2,340.75 (26 periods)

### $80k CA biweekly + $130/check FSA proxy

- Gross: $79,999.92
- Federal income tax: $8,026.38
- Social Security: $4,750.44
- Medicare: $1,110.99
- State income tax: $2,917.44
- Net / take-home: $58,818.61 (effective tax 22.3%)
- Per paycheck net: $2,262.25 (26 periods)

Label: engine estimates, not pay stubs.

## FAQ

### Is this a dedicated FSA engine?

No. FSA-style amounts use the existing health/premium field. There is no eligibility test or claim engine.

### What is the 2026 health FSA limit?

IRS Rev. Proc. 2025-32 sets a $3,400 employee salary-reduction maximum for plan years beginning in 2026, and a $680 carryover maximum if the plan allows carryover.

### How is this different from the HSA paycheck page?

Same health-line proxy, different product and IRS limits. HSA copy cites Rev. Proc. 2025-19. This URL is the health FSA intent.

## Related

- [HSA paycheck calculator](https://takehomecash.com/hsa-paycheck-calculator/index.md)
- [401(k) vs take-home pay](https://takehomecash.com/401k-vs-take-home-pay/index.md)
- [Paycheck deductions explained](https://takehomecash.com/paycheck-deductions-explained/index.md)