FSA Deadline Checker: How Many Days and Dollars Do You Have Left?
About 40% of FSA holders lost money in 2024, and the average amount lost was $404, according to the Employee Benefit Research Institute. Most plans have a deadline, some give you extra time, and some let you roll part of your balance over. Enter your plan details below to see where you stand. No email needed.
Federal plus state plus payroll tax. It varies by person, so use your best estimate.
How paying with FSA or HSA works at AWA
At checkout, choose Pay with Flex. Answer a short health survey that a licensed clinician reviews, then pay with your FSA or HSA card. HSA and FSA cards typed into the regular card box are often declined, so use Flex. Eligibility depends on your plan.
FSA deadline questions
- When does my FSA money expire?
- Many plans end Dec 31. Some add a grace period, often to Mar 15. Others let you carry over part of the balance. Your plan documents decide.
- How much can I carry over from 2026 into 2027?
- Up to $680, if your plan offers carryover. That is the IRS limit for 2026 plan years.
- Can a plan have both a grace period and carryover?
- Generally no. A plan picks one or neither.
- Does HSA money expire?
- No. HSA funds stay yours from year to year.
- What is the 2026 FSA contribution limit?
- $3,400.
- Does the purchase date or the delivery date count?
- Most plans look at the purchase date, but rules vary, so check yours and order early in December.
- Are red light therapy devices FSA eligible?
- On awarlt.com you can pay with FSA or HSA through Flex, which includes a quick clinician review. Eligibility depends on your plan.
This tool gives general information, not tax advice. Sources: Employee Benefit Research Institute (October 2026), IRS Rev. Proc. 2025-32.