Commuter Guide
Save more on your ride to work
Discover how to turn your commute into amazing tax savings.
What are Commuter benefits?
Commuter benefits let you use pre-tax dollars to pay for eligible transit and parking expenses.
Benefits built for mobile.
Faster access, stronger security, and more convenient than logging in online. FSAs use either HealthEquity Mobile or EZ Receipts Mobile – depending on your plan.
HealthEquity Mobile app
4.3 stars1Tap into health savings.
Already enrolled? Set up your new account directly in the app – no need to register online.
EZ Receipts Mobile app
4.6 stars2Bring your benefits with you.
Already enrolled? Please set up your account online before using the app.
Am I eligible for Commuter benefits?
Eligibility requires a commuter benefits program offered through your employer.
5 commuter rules you need to knowHow do I sign up?
You can activate commuter benefits any time. No need to wait for open enrollment. Pause, change, or update your benefits whenever you want.
Go your own way
Train
Subway
Bus
Ferry
Parking
Maximize your savings
Your savings can add up fast
Here’s an example based on $3,000 annual spending and a 30 percent effective tax rate.
Transit expenses
$150/mo
($1,800/yr)
+
Parking expenses
$125/mo
($1,500/yr)
Annual tax savings3
$990
The more you spend, the more you save
Take your account to the max.
IRS Commuter Spending Limits
Tax year | Benefit | IRS monthly limit |
|---|---|---|
2025 | Transit | $325 |
2025 | Parking | $325 |
2026 | Transit | $340 |
2026 | Parking | $340 |
Tax year | IRS monthly limit |
|---|---|
2025 | $325 |
2026 | $340 |
Tax year | IRS monthly limit |
|---|---|
2025 | $325 |
2026 | $340 |
Members with both transit and parking benefits
may contribute the combined maximum.
Watch our on-demand Commuter webinar
Join our webinar to learn the commuter basics. We’ll show you how to use your benefits and save more on your ride to work.
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3The example used is for illustrative purposes only; actual savings may vary. The figure is based on average tax rates, including state, federal, and FICA taxes.Return to content
HealthEquity does not provide legal, tax, or financial advice.
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