FSA Savings Calculator
Calculate tax savings from a health FSA election and see what you could forfeit if you overestimate your medical spending.
Your numbers
- Money at risk of forfeiture
- $0.00
- Net benefit
- $623
- Used
- $2,100
- Spent on care$2,100
- Carryover$400
How the fsa savings calculator works
Tax savings = FSA dollars spent × (marginal rate + 7.65% FICA). Forfeited = election − eligible spending − carryover allowance.
Example
Using the default inputs (FSA election: $2,500; Expected eligible spending: $2,100; Marginal tax rate: 22%; Carryover allowed: $680), the calculator returns tax savings of $623. Change any field above to see your own result and charts update instantly.
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Frequently asked questions
What is the 2026 FSA limit?
$3,400 for the health FSA; some plans allow a carryover of up to $680.
Can I have an FSA and HSA?
Generally not, except for limited-purpose FSAs.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.