2026 health & dependent care FSA limits, tax savings, and a use-it-or-lose-it forfeiture check.
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Professional Financial Tools
8/25/2026
Tax savings = what a health FSA election saves you. DCAP = the separate dependent-care account. Right-size = avoid forfeiting unspent funds at year-end.
Capped automatically at the 2026 IRS limit of $3,400.
Set to 0 in states with no income tax or that don't allow the exclusion at the state level.
You keep 29.6% of every dollar you elect.
Your marginal rate is 22%.
FSA elections always run through payroll, so this saving applies automatically — unlike an HSA, there is no non-payroll path that would lose it.
Electing $2,000 really costs you this much in take-home pay.
Per employee, per employer. A working spouse with their own FSA has a separate limit.