💊 FSA Calculator
An FSA calculator computes the tax savings from a health flexible spending account election. Enter your election, marginal tax rate, and expected medical expenses to see your annual savings and any use-it-or-lose-it forfeiture risk — using the verified 2026 IRS limit of $3,400 with a $680 carryover.
Annual tax savings from your FSA
$816.00
Electing $3,400.00 pre-tax at a 24% marginal rate
2026 election limit
$3,400.00
Carryover allowance
$680.00
At risk of forfeiture
$0.00
Health FSAs are funded pre-tax through payroll and must be spent on eligible medical expenses. Unlike an HSA, an FSA is not portable when you change jobs, and unspent funds beyond the carryover are forfeited.
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Frequently asked questions
What is the FSA contribution limit for 2026?▾
How does FSA use-it-or-lose-it work?▾
How much does an FSA actually save me?▾
Can I change my FSA election mid-year?▾
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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.