FSA Calculator 2026 (Health & Dependent Care)
Plan your 2026 flexible spending account — the $3,400 health FSA limit and $680 carryover, the new $7,500 dependent care FSA limit — and see your tax savings and use-it-or-lose-it risk.
Estimates only — not tax advice. Tax rules change and depend on your situation; check with the tax authority or a tax professional.
How to use
- 1Estimate next year's eligible medical (or dependent care) expenses.
- 2Choose how much to contribute.
- 3See your tax savings and how much you might forfeit.
How it's calculated
Savings = contribution × (federal bracket + state rate + 7.65% FICA). At risk = contribution − expected expenses − carryover allowance (health FSA only).
Frequently asked questions
What are the 2026 FSA limits?
Health FSA: $3,400 per employee, with up to $680 carryover if your plan allows it. Dependent care FSA: $7,500 per household ($3,750 married filing separately) starting in 2026.
What if I don't spend it all?
Unspent money is forfeited unless your plan offers the carryover or a grace period (up to 2.5 months). Estimate conservatively.
Can I have an FSA and an HSA?
Only a limited-purpose FSA (dental and vision) alongside an HSA.