What if my plan has a grace period?

This calculator focuses on rollover limits. Grace periods may let you spend after year-end; check your plan rules.

Does this work for dependent care FSA?

It focuses on typical health FSA rollover; dependent care FSA rules differ. Use with caution.

You can combine federal/state for a quick view or use just federal if that’s all you want.

No. It’s a quick estimate. Consult your plan admin/tax pro for details.

It uses your entered tax rate as a single multiplier. If you want to include payroll taxes, fold them into the rate.

finance calculator

See how much FSA you can roll over, how much you’d forfeit, and the tax savings you keep or lose.

Rollover limit: Your plan’s allowed rollover; amounts above this are forfeited.
Tax rate: Use combined marginal rate if you want a single multiplier for savings.

Forfeited = max(0, Balance − Rollover limit).

Tax savings kept = min(Balance, Rollover) × Tax rate. Tax savings lost = Forfeited × Tax rate.

Forfeited = max(0, Balance − Rollover)
Tax savings kept = min(Balance, Rollover) × Tax rate
Tax savings lost = Forfeited × Tax rate

If your balance exceeds the rollover limit, consider eligible purchases before the deadline.
Check grace period/use-it-or-lose-it rules in your specific plan.
Use your actual marginal rates for best accuracy; combine fed/state if you want a simple single rate.
Simplified; does not model grace period specifics or dependent care FSAs.
Rollover limits vary by plan/year; update the limit to match your plan.
Not tax advice; informational only.

See how much FSA balance rolls over, how much you’d forfeit, and the tax savings you keep or lose based on your tax rate.

Use it to decide whether to spend down your FSA before the deadline.

What if my plan has a grace period?: This calculator focuses on rollover limits. Grace periods may let you spend after year-end; check your plan rules.
Does this work for dependent care FSA?: It focuses on typical health FSA rollover; dependent care FSA rules differ. Use with caution.
Should I use combined tax rate?: You can combine federal/state for a quick view or use just federal if that’s all you want.
Is this tax advice?: No. It’s a quick estimate. Consult your plan admin/tax pro for details.
Does this include payroll tax savings?: It uses your entered tax rate as a single multiplier. If you want to include payroll taxes, fold them into the rate.

finance

HSA vs FSA Contribution Calculator

Compare tax savings and total value of HSA vs FSA contributions, including employer match for HSA.

finance

Severance Pay Tax Calculator

Estimate withholding and net severance using supplemental flat rates plus state tax and optional extra withholding.

finance

Side Hustle Estimated Payments

Estimate quarterly tax payments for side-hustle profit using SE tax + simple income tax minus withholding.

Informational estimate. Plan rules and rollover/grace options vary. Confirm with your plan and a tax professional before making decisions.