FSA & HSA Decision Calculators & Tools
Stop guessing with your health benefits. Use our free, interactive calculators and tools to maximize pre-tax savings, unlock dual-purpose items, grow long-term wealth, and protect every dollar from forfeiture.
HSA Investment & Growth Calculator
Model the powerful triple tax advantage of your Health Savings Account. See how much your contributions could grow tax-free over 1 to 40 years compared to spending as you go.
FSA Tax Savings & Enrollment Advisor
Plan your annual FSA contribution up to the 2026 limit ($3,400) and calculate your immediate tax savings across Federal income tax, FICA (7.65%), and state taxes.
FSA Forfeiture & Burn Rate Calculator
Enter your remaining balance and deadline to calculate your daily spending velocity, see how much is at risk above the $660 carryover limit, and get a tailored spend-down pace.
Letter of Medical Necessity (LMN) Generator
Generate an IRS §213(d) compliant Letter of Medical Necessity form for dual-purpose items (Oura Ring, Theragun, Air Purifiers, Gym Dues) with ICD-10 codes for your doctor to sign.
Why calculate with SpendRebel?
Over $4.5 billion is forfeited to employers every single year by hard-working Americans. Our calculators are strictly built on IRC §213(d), §125, §223, and current IRS Revenue Procedure guidelines to ensure you keep what is rightfully yours.