Section 125 Savings Calculator

See what you'd save
in 30 seconds.

Five quick questions about your business. The calculator returns your exact net employer FICA savings plus a Workers' Comp reduction estimate. No email required, no signup, instant result.

  • ✓
    Federal law since 1978 — IRC § 125
  • ✓
    Verified compliant by CBIZ (top-7 U.S. accounting firm)
  • ✓
    8-page legal opinion from a Super Lawyer-rated ERISA attorney
  • ✓
    $500K legal protection per enrolled employer
→ Compliance authority & legal proof·→ Book the free 15-min analysis

See What You'd Save

5 quick questions  ·  instant estimate  ·  no email required

Step 1 of 5

Minimum 10 W-2 employees  ·  $25K+ salary  ·  ACA-compliant health coverage required
Verified by CBIZ & HitesmanLaw  ·  Zero cost  ·  Zero obligation

⚖️ Federally Funded  ·  Zero Cost  ·  IRS Law Since 1978
IRS Section 125 — Federal Law Since 1978
No New Insurance Required
No Changes to Current Benefits
ACA · ERISA · COBRA · HIPAA Compliant
Live in 30–60 Days

The calculator uses the same math the specialist uses on the call: gross FICA savings of $1,101.60 per employee per year (7.65% × the $1,200/month pre-tax reduction × 12), minus the $420/year program fee, for a net of $681.60 per employee per year. Workers' Comp savings vary by industry classification — the calculator returns a conservative half-rate estimate.

Get the Exact Number on a Free 15-Min Call →