HSA & FSA Year-End Planner
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Figures used. HSA: 2026 $4,400 / $8,750 (Publication 969, Notice 2026-5); 2027 $4,500 / $9,000 (Rev. Proc. 2026-24). Catch-up $1,000 at age 55+. Verified October 17, 2026. FSA: the 2027 limit is not announced; the fields below start with the 2026 plan-year values and you can edit them.
Result
$0Limit, monthly method (A)
$0Room left, A
$0Limit, last-month rule (B)
$0Room left, B
| Item | Amount | Note |
|---|
Contribution deadline:
FSA
Estimate only. Not tax/financial advice.
What this planner does not check
- Whether your health plan is an HDHP (see our bronze plan guide).
- Mixed coverage types within the year, spouse accounts, or state taxes.
- Your employer’s plan rules; always check your plan documents.
Option B assumes you stay HSA-eligible through December 31 of the next year (testing period). The catch-up proration under option A is an assumption we could not confirm.
Sources
- IRS Rev. Proc. 2026-24: 2027 inflation-adjusted HSA amounts (IRB 2026-25) (accessed October 17, 2026)
- IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans (accessed October 17, 2026)
- IRS Notice 2026-5: HSA changes under Public Law 119-21 (bronze/catastrophic plans, telehealth, direct primary care) (accessed October 17, 2026)
- IRS Rev. Proc. 2025-32: 2026 inflation-adjusted amounts (health FSA limit) (accessed October 17, 2026)
Last verified: October 17, 2026. Constants live in one dated object in the page script.