Transit benefits

Save up to $672* on taxes when you use your transit benefits

The smartest way to get to work

Commuter benefits let you use tax-free money to pay for eligible transit expenses. Commuter benefits help members realize significant savings on everyday commuting costs. Don’t think of it as money deducted from your paycheck—think of it as money added to your wallet.

Activate at any time; no need to wait for enrollment season

No ‘use-it-or-lose-it,’ commuter funds never expire**

Pause, change, or update your benefits any time

Maximize your tax savings

When you use your tax-advantaged commuter benefits, you get $10 in tax savings for every $50 you contribute.^

2023 IRS contribution limits

$300/mo.

Pay for eligible transit expenses

Here are a few common ways to spend your commuter benefits.

Subway

Train

Bus

Ferry

Transit benefit resources

Easily find answers to common questions about your benefits.

Help Center

Plan your spending, know the rules and unlock amazing tax savings.

Commuter Guide

Not sure which benefit is right for you? Explore our on-demand webinars.

Webinars

HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.

*Conditions apply. Member must remain employed with organization that continues to sponsor commuter benefit.

**Estimated savings are based on an assumed combined federal and state income tax rate of 20%. Actual savings will depend on your taxable income and tax status.

^Chart for illustration purposes only. Actual savings will vary based on your unique tax situation.