How much you can put in a health FSA this year (2026)

For 2026 the IRS cap is $3,400 set aside from pay. If your plan lets unused money carry to next year, up to $680 of it can carry. Pick whether your plan lets unused health FSA money carry to next year. We look up the official yearly dollar. Not tax advice.

Whether unused money can carry to next year is required. How much you plan to set aside from pay is optional.

Does your plan let unused health FSA money carry to next year? Only use the $680 leftover number if your plan lets unused money move to next year. Many plans do not. If you are not sure, check your plan paperwork.

How much do you plan to set aside from pay this year? (optional) Leave this blank to only see the official cap. If you type a dollar amount, we tell you whether it is under or over that cap.

Sources

Dollars on this page come only from these official links. Last opened 2026-08-27. If a case is not on those pages, we do not invent a dollar.

Source	What we use	Official page
IRS 2026 inflation newsroom post	Health FSA set-aside from pay $3,400 for tax years beginning in 2026. If the plan lets unused money carry to next year, max leftover $680.	IRS releases tax inflation adjustments for tax year 2026
Rev. Proc. 2025-32 (PDF)	Same $3,400 set-aside cap and $680 leftover max for taxable years beginning in 2026, when the plan lets unused money carry over.	Rev. Proc. 2025-32 (PDF)

What this number is

Under this dollar, you are within the IRS cap for what you set aside from pay; over it, the IRS does not let that salary reduction go higher for the year.
The official 2026 cap for what you set aside from pay is $3,400.
If the plan lets unused money carry to next year, the max leftover is $680. Only use that $680 if the plan allows it. That leftover is unused money, not extra you can set aside from this year's pay.
This page is only the health FSA set-aside cap and that leftover max. We do not look up dependent-care FSA, transit, parking, or other fringe dollars here.

This is an official IRS figure lookup, not tax advice.