Tax Savings Calculator: GET /api/v1/calculator/tax-savings

For AI agents: this page is also Markdown at /developers/calculate-tax-savings.md. Every docs page is listed in /developers/llms.txt.

Calculate projected tax savings from HSA contributions based on tax bracket and years of contribution.

GET /api/v1/calculator/tax-savings

Savings include 7.65% FICA, which only applies when you contribute through payroll; direct contributions save income tax only.

Parameters

Name	In	Required	Default	Description
`contribution`	query	no	`4400`	Annual contribution in USD (0 to 100,000)
`federalBracket`	query	no	`22`	Federal tax bracket, percent (0 to 50)
`stateRate`	query	no	`5`	State income tax rate, percent (0 to 15)
`years`	query	no	`10`	Years to project (1 to 50)
`expectedReturn`	query	no	`7`	Assumed annual investment return, percent (0 to 30)

Example request

curl "https://www.hsatrackr.com/api/v1/calculator/tax-savings?contribution=4400&federalBracket=24&stateRate=9.3&years=30"

Example response

A real response from the live handler.

{
  "data": {
    "inputs": {
      "annualContribution": 4400,
      "federalBracket": "24%",
      "stateRate": "9.3%",
      "yearsToGrow": 30,
      "expectedReturn": "7%"
    },
    "results": {
      "federalSavings": 1056,
      "stateSavings": 409,
      "ficaSavings": 337,
      "annualTaxSavings": 1802,
      "totalContributions": 132000,
      "totalTaxSavings": 54054,
      "investmentValue": 415627,
      "investmentGrowth": 283627,
      "taxableAccountValue": 203610,
      "advantageVsTaxable": 212017
    }
  },
  "meta": {
    "source": "https://www.hsatrackr.com/calculators/tax-savings",
    "citation_url": "https://www.hsatrackr.com/calculators/tax-savings",
    "updated": "2026-01-01",
    "disclaimer": "This information is for educational purposes only and does not constitute tax, legal, or financial advice. Consult a qualified professional for your specific situation.",
    "api_docs": "https://www.hsatrackr.com/api/v1"
  }
}

Response fields

Every response is { data, meta }. meta.citation_url is the public page to cite.

Field	Type	Always present
`inputs`	object	yes
`results`	object	yes

Errors

Status	Meaning
`400`	Bad request - invalid parameters
`429`	Rate limit exceeded (30 requests per minute per IP)

Full contract: openapi.json. All endpoints: API overview.