When you do the tax estimators, this will take into account the HSA and PFL.
When you speak of IRA contributions, does your company have 401K plans? In most situations, it is best to max out the 401K. If you are under 50, the max per person is $23500. If you are over 50, there is a catch up and the max is $31000.
As you can see, if both of you max out on your 401K, the total would be $47000 (under 50) and $61000 (over 50). These numbers are for 2025. Contribution limits change yearly.
As for the HSA, the contribution limit for 2025 is $4300 for self only policies and $8500 for family policies. Contribution limits change yearly.
KatherineS63
