Superbill

FSA deadlines

FSA deadline & claim checker

Work out the last day you can incur FSA expenses and the last day you can submit claims, and see how much of your balance can carry over. It runs entirely in this browser — nothing you type is uploaded, stored or sent anywhere.

Rules as of Oct 23, 2026. Your employer's plan document (SPD) decides the real deadlines, and it may set a shorter run-out, a lower carryover or no carryover at all.

Your plan

Change any field and the results update. Nothing is submitted.
The last day of your plan year, not the calendar year. Most plans end December 31.
A plan may offer a carryover or a grace period, never both.
Leave empty to use the IRS maximum of $680 for this plan year. A higher number is clamped to it.
Set by your plan — often roughly 60–90 days after the plan-year end in practice — common practice, not an IRS rule, so check your SPD.
Used only to split the balance into “carries over” and “at risk”. It never leaves this page.

Last day to incur expenses

The last day a session or purchase can happen and still be reimbursed.

If your plan offers a carryover

December 31, 2026

A 2½-month grace period on a plan year ending December 31, 2026 runs to March 15, 2027 — the 15th day of the third calendar month after the plan-year end.

Last day to submit claims

The run-out window only covers expenses you already incurred.

Set by your plan — check your SPD

Set by your plan — check your SPD. Run-out is often roughly 60–90 days after the plan-year end in practice — common practice, not an IRS rule, so check your SPD; it only covers expenses already incurred, and a carryover is calculated after it ends.

Maximum carryover and what is at risk

The IRS maximum, set by the year your plan year begins. An employer may allow less, or none.
Plan year begins 2026
$680IRS maximum for a 2026 plan year.

If your plan offers a carryover

Unused money carries over after the run-out period ends, up to $680. An employer may also allow less, or none.

Add a remaining balance to split it into the amount that carries over and the amount at risk.

A calendar file with the known deadlines, generated in this browser. It contains only the dates and the plan label — no name, no client data.

Receipt checklist

What an FSA administrator needs before it pays a claim.
  • Date of service. The day the session or purchase happened, not the day you paid.
  • Description of service. What was provided — for therapy, the service and the procedure code (for example 90837 psychotherapy, 53+ minutes).
  • Person who received the service. The patient’s name, so the administrator can match it to the plan member.
  • Provider. The clinician or practice name, and usually the NPI or tax ID.
  • Amount. What you paid, and the date you paid it if that differs from the service date.

Credit-card slips and “balance forward” statements are usually rejected on their own: they show an amount, not what the service was. A superbill carries all five fields plus the CPT and ICD-10 codes.

  • A plan may offer a carryover or a grace period, but not both (IRS Notice 2013-71).
  • Carryover is calculated after the run-out period ends, because claims submitted late can still reduce the balance.

Sources

Rules as of Oct 23, 2026. Every figure above comes from these documents.
This is general information, not tax, legal or benefits advice. Your employer's plan document (SPD) and your FSA administrator's rules govern — they may set shorter deadlines, a lower carryover or no carryover. Eligible expenses are determined by your administrator. IRS figures as of Oct 23, 2026; 2027 health FSA limits have not been published yet. Nothing you enter leaves your browser.

FSA guides