FSA Calculator 2026: Health Flexible Spending Account
See how much a 2026 health FSA saves you in taxes, the 3,400 limit, the 680 carryover and how much you could lose if you put in more than you spend.
Each spouse can have their own FSA of 3,400. The whole yearly amount is available from the first day of the plan year. An FSA cannot be combined with an HSA, except a limited-purpose FSA for dental and vision.
What it does
A health flexible spending account (FSA) lets you pay medical expenses with money taken from your paycheck before income tax and FICA. The catch is the use-it-or-lose-it rule: money you do not spend by the end of the year is lost, unless your plan lets you carry over a limited amount or gives a grace period. The calculator weighs the tax you save against what you might lose.
How to use it
- Type how much you plan to put in and the medical expenses you expect.
- Type your federal and state tax rates and mark if it goes through payroll.
- Choose your plan's rule and see the tax saved, what is lost and the net gain.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
What is the FSA limit for 2026?
3,400 per employee. Plans can let you carry over up to 680 to the next year, or give a grace period of 2.5 months instead.
How much do I save with an FSA?
Putting in 3,400 at 22% federal, 5% state and 7.65% FICA saves 1,178.10 in taxes. If you only spend 2,500, 680 carries over and 220 is lost, and you still come out 958.10 ahead.
How much should I put in my FSA?
Your expected expenses, plus up to 680 if your plan has a carryover: with 2,500 of expected expenses, up to 3,180 without losing anything.
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