FSA Calculator: Contribution Limit & Carryover

Check your health FSA election against the 2026 or 2027 IRS limit and see how much carries over, what a grace period covers and what you could lose.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Scope: a health flexible spending arrangement (health FSA) offered through your job, for plan years starting in 2026 or 2027, using the IRS limits: $3,400 of salary reductions and up to $680 carried over for 2026 plan years, $3,500 and up to $700 for 2027 plan years (the carryover is 20% of the limit for the year the money comes from and does not count against next year’s limit). It checks your election, shows the amount taken from each paycheck, what is left at the end of the plan year, how much your plan can carry over (or the grace period of up to 2½ months), what you could lose, and an optional tax-savings estimate at a rate you enter. A plan may have a carryover or a grace period, not both, or neither, and your employer can set lower limits. Not included: dependent care FSAs, limited-purpose FSAs used with an HSA, HSAs and HRAs, run-out (claim filing) deadlines, mid-year election changes, leaving your job (COBRA), highly compensated employee rules, and lists of eligible expenses. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate, not tax advice. Sources reviewed November 13, 2026.

How to use it (step by step)

1Pick the year your FSA plan year starts and type your annual election (the yearly amount you chose at open enrollment) and how often you are paid.
2Type what you have already spent or claimed, the eligible costs you still expect before the deadline, and anything carried in from last year.
3Pick what your plan does with leftover money (carryover, grace period, neither, or not sure) and read what carries over and what you could lose.

Words to know

Health FSA (flexible spending arrangement): An account through your job that takes money from your pay before income tax so you can pay medical costs, such as copays, prescriptions and glasses.
Annual election: The total you choose to put in for the plan year. It is split evenly across your paychecks, but you can use the whole amount from the first day.
Carryover: Leftover money your plan lets you move to next year, up to the IRS maximum ($680 from a 2026 plan year). Anything above that is lost.
Grace period: Extra time, up to 2½ months after the plan year ends, to have new medical costs paid from last year’s money. A plan cannot offer both a grace period and a carryover.

Explore tools for Australia, the US & Europe →

Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

More in Money & Finance

RMD Calculator: Required Minimum DistributionFind your required minimum distribution (RMD) from a traditional IRA with the IRS Uniform Lifetime Table, your RMD start age (73 or 75) and the deadline.HSA Calculator: 2026 Contribution Limit & Tax SavingsFind your 2026 HSA contribution limit (self-only or family, 55+ catch-up, partial year, employer money) and the federal, state and payroll tax you save.Social Security Break-Even Calculator: 62 vs 67 vs 70Compare claiming Social Security at 62, full retirement age or 70: monthly benefit, lifetime totals and the age when waiting pays off.Lease vs Buy Car Calculator: Total Cost ComparisonCompare the total cost of leasing vs buying the same car over the lease term: payments, money factor, residual, sales tax, fees and extra miles.Student Loan Repayment Calculator: Federal Standard PlanEstimate your federal student loan payment on the 10-year Standard plan or the new Tiered Standard plan (10–25 years), with total interest.EV Charging Cost Calculator: Cost to Charge an Electric CarFind what it costs to charge your electric car per month, per year, per mile and per full charge, and how much you save compared with gas.