Commuter

Transit benefits

Save up to $780 on taxes when you use your transit benefits1

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.

No ‘use-it-or-lose-it,’ commuter funds never expire.2

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

Pause, change, or update your benefits any time.

Don’t tax your money. Max your money. 

Get $20 tax savings for every $100 you contribute.1

Commuter

No Commuter

2025 IRS contribution limits3

$325/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.   

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

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

1Estimated 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. | 2Conditions apply. Member must remain employed with organization that continues to sponsor commuter benefit. |3This spending limit is accurate as of 10/22/2024. Each fall the IRS updates the Commuter spending limits. For the latest information, please visit: HealthEquity.com/Learn | HealthEquity does not provide legal, tax or financial advice. 

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