FSA use it or lose it calculator
See how much of your FSA money is at risk at the end of the plan year and how much to spend each week to use it.
HSA/FSA Spend-Down & Receipt Tracker 2026-27
Log every receipt and plan the spend-down.
How the math works
Left = election + employer money − spent. With a carryover plan, up to the plan's limit ($680 maximum for 2026 plan years) moves to next year; the rest is at risk. Per week = left ÷ weeks to the last day. Example: $1,500 election, $684 spent, carryover $680, November 7 to December 31, 2026: $816 left, $136 at risk, $105.78 a week to use it all.
What happens to unused FSA money?
It's forfeited, unless your plan has a carryover (up to $680 from 2026 into 2027) or a grace period (usually 2.5 months). Plans pick one or neither.
Can I have both a carryover and a grace period?
No. A plan can offer one of them or neither. Your plan's summary says which.
What can I buy with FSA money?
Medical, dental and vision costs not covered by insurance, like glasses, contacts, copays and many over-the-counter items. Your plan decides what's eligible.
Organizer, not tax/medical/insurance advice. Examples use made-up numbers.