Spend it before you lose it.

FSA dollars are mostly use-it-or-lose-it. Enter your balance and deadline, build a spend plan from eligible-expense ideas, and see exactly what's left.

Your FSA

01 / BALANCE

Current FSA balance

Plan-year end date

What happens to unspent dollars?

None: unspent money is forfeited at year-end. Grace period: up to 2½ extra months to incur expenses. Rollover: a capped amount carries to next year — your employer picks one option, so confirm which applies to you.

Idea bank

02 / IDEAS

Eligible-expense ideas with typical cost ranges. Check an item to add it to your plan at the range midpoint — amounts are editable in the plan.

Custom item

03 / ADD

Everything stays in this browser — nothing is uploaded. Your plan is saved automatically as you build it.

Build your spend-down plan

Enter your FSA balance and deadline, then check ideas from the bank to start your plan.

TIME LEFT TO SPEND

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Your spend plan

Amounts are editable — tap any number to adjust.

Plan-year balance: —
Planned spending: —
Remaining unspent: —
At risk of forfeit: —

Don't leave money behind

Stock up smart: contact lenses, sunscreen (SPF 15+), first-aid supplies, and OTC meds are all eligible — buy what you'll actually use.
Book the appointments: eye exams, dental cleanings, and physicals you've been postponing count, as long as the visit happens before your deadline.
Glasses are the classic: a second pair or prescription sunglasses is one of the easiest ways to use a few hundred dollars well.
Keep receipts: your plan administrator can ask for substantiation — save the receipt for everything on this plan.

Timing rules that trip people up

Expenses must generally be incurred — the service received or item purchased — by your deadline, not merely ordered.
Your run-out period (time to file claims) is not extra spending time — it's just paperwork time.
Grace periods and rollovers are employer choices, not guarantees. Confirm yours in writing.
Eligibility lists change — when in doubt, check your plan's eligible-expense list before buying.