2026 FSA Planner
The 2026 health Flexible Spending Account (FSA) limit is $3,400 in pre-tax salary reductions, with a maximum carryover of $680 into the next plan year if your employer allows it (IRS Rev. Proc. 2025-32). Because most FSA money is use-it-or-lose-it, the safe election is roughly your expected eligible expenses plus any carryover cushion. This planner estimates your tax savings and how much could be forfeited at a given election. It is an estimate, not tax advice — check your specific plan's carryover or grace-period rules.
Source: IRS Rev. Proc. 2025-32. Data as of 2026-06-14.
How it works
Enter your expected eligible expenses, your planned election (capped at the $3,400 limit), and your tax rate. The tool multiplies the election by your marginal rate for the tax saving, and flags any amount above your expenses (minus an allowed carryover) as at risk of forfeiture. Employers may offer a $680 carryover, a grace period, or neither — read your plan documents.
Important: This tool is a general estimate for educational purposes only and is not medical, tax, insurance, or financial advice. Figures use the published 2026 limits but your situation may differ. Verify with the primary source and a qualified professional. See our full disclaimer and methodology.
Frequently asked questions
What is the 2026 FSA contribution limit?
The 2026 health FSA salary-reduction limit is $3,400, up from $3,300 in 2025 (IRS Rev. Proc. 2025-32). The maximum carryover into 2027 is $680.
What happens to unused FSA money?
Health FSAs are generally use-it-or-lose-it. If your plan allows a carryover, up to $680 can roll over; otherwise unspent funds are forfeited at year-end (or after a grace period, if your plan offers one).
Can I have an FSA and an HSA at the same time?
Not a general-purpose health FSA alongside an HSA — that disqualifies HSA contributions. A limited-purpose FSA (dental and vision only) is allowed with an HSA.
Related tools
Last updated: 2026-06-14