finance calculator
See how much FSA you can roll over, how much you’d forfeit, and the tax savings you keep or lose.
This FSA rollover vs spend calculator shows how much of your health FSA balance can carry into the next plan year, how much you would forfeit under your plan’s rollover rules, and how much tax savings you keep or lose if you let funds expire instead of spending them on eligible expenses.
Instead of guessing whether to rush out for last‑minute eligible purchases or let a small leftover balance go, you can plug in your current balance, rollover cap, and tax rate to see the tradeoffs in dollars. That makes it easier to decide whether an extra pair of glasses, a stash of eligible supplies, or simply forfeiting the balance is the more rational move given how much of your tax advantage you’d actually lose.
You enter your current FSA balance, your plan’s rollover limit, and your marginal tax rate (or a combined federal + state rate).
If your balance is less than or equal to the rollover limit, all of it can roll forward and none is forfeited for the rollover rule modeled here.
If your balance exceeds the rollover limit, the excess is treated as forfeited: forfeited = max(0, balance − rollover limit).
The calculator approximates the tax benefit of FSA contributions by multiplying amounts by your marginal tax rate. Tax savings kept = rolled amount × tax rate; tax savings lost = forfeited × tax rate.
Together, these outputs help you see both the raw dollars forfeited and the lost tax advantage of overfunding your FSA.
Let B = FSA balance, R = rollover limit, and t = tax rate (decimal).\n\nForfeited = max(0, B − R)\nRolled = min(B, R)\nTax savings kept = Rolled × t\nTax savings lost = Forfeited × t
Use this FSA rollover vs spend calculator to see how much of your flexible spending account balance rolls over, how much you’d forfeit, and how much tax savings you keep or lose at your tax rate.
It’s a simple way to decide whether to spend down your FSA before the deadline and to right‑size next year’s election based on actual usage.
By combining your current balance, plan rollover limit, and marginal tax rate, the tool quantifies both the dollars you might leave on the table and the tax benefit you give up when unused FSA funds expire. That makes it easier to plan everyday eligible purchases—like prescriptions, contact lenses, or OTC items—instead of scrambling at the last minute or routinely overfunding your account year after year.
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This FSA rollover vs spend calculator provides simplified estimates based on user‑entered balances, rollover limits, and tax rates. It does not interpret your specific plan’s legal terms or IRS rules, and it is not tax or legal advice. Confirm decisions with your plan documents and a tax professional.
