2026 Calculator
FSA Calculator
Calculate contributions and tax savings
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What is the 2026 FSA contribution limit?
For 2026, the healthcare FSA limit is $3,300 per employee. Dependent care FSA limit remains $5,000 per household ($2,500 if married filing separately). These are pre-tax dollars that reduce your taxable income.
What happens to unused FSA funds?
FSAs have 'use-it-or-lose-it' rules, but employers may offer a grace period (2.5 months into next year) or carryover (up to $660 for 2026). Check your plan details. Dependent care FSAs have no carryover option.
What expenses are FSA-eligible?
Healthcare FSAs cover deductibles, copays, prescriptions, glasses, contacts, and many OTC items. Dependent care FSAs cover daycare, preschool, summer camps, and elder care. Keep receipts for all purchases.