Americans forfeit
~$4.8B every year
FSA holders
33M use-it-or-lose-it
Standard deadline
Dec 31 grace plans: Mar 15
Catalog
1,428 items verified against IRS Pub 502
FSA · HSA · PRE-TAX BENEFITS A side project, written on weekends. Updated April 2026.

You have money left.
It expires December 31.

Enter your remaining balance. SpendDown matches it against 1,400+ IRS-eligible products and returns a ready-to-buy list in under four seconds.

KEY FIGURES · TYPICAL SESSION
Avg. process time 03:42 min:sec
Median balance cleared $312.40 net
Catalog coverage 1,428 SKUs
Deadline (standard) Dec 31 23:59 local
Form SPD-01 · balance disclosure1 of 3 · optional
No data stored|No sign-in
Line 02 · Account type
Plan deadline
Line 03 · What are you shopping for?
00 User fee
$0.00
never charged to you
01 Account access
none required
balance-in, list-out
02 Affiliation
independent
not a retailer or admin
03 Sourcing
IRS Pub 502 + SIGIS
cross-verified weekly
§02 / SCHEDULE A · NON-OBVIOUS ELIGIBILITY View full schedule (1,428 items) →

What's actually eligible isn't what people think.

Most FSA holders under-spend because they don't know what qualifies. A sample of reimbursable categories, annotated.

01 / SKIN E-01
Sunscreen. All of it.

Any SPF 15+ sunscreen counts — including the $42 EltaMD your dermatologist recommended. Stock up for the whole year.

SPF 15+ §213(d)
02 / RECOVERY E-01
Massage guns

Theragun, Hypervolt, and most percussive massagers qualify without a Letter of Medical Necessity. The $299 Prime is in.

No LMN needed §213(d)
03 / SKIN E-01
Acne LED masks

FDA-cleared light therapy devices for acne are eligible. The Neutrogena and Omnilux masks both qualify.

FDA-cleared §213(d)
04 / FITNESS E-01
Peloton — with paperwork

Through Truemed's Letter of Medical Necessity flow, Peloton bikes and Guide qualify. 3-minute questionnaire.

Via LMN §213(d)
§03 / CATALOG INDEX
991
Active SKUs · updated 04:00 UTC

Or browse by category.

§04 / EXECUTION · END-TO-END MEDIAN TIME 11:24

Three lines.
Eleven minutes.

01 ~30 sec
Disclose balance

Check your plan portal or last paystub. A rough estimate is fine — we don't store it.

02 <4 sec
Receive ledger

The engine returns a ranked list matched to your budget. Essentials first, one discovery item, nothing over.

03 ~11 min
Settle by deadline

One-click through to Amazon, FSA Store, or direct brand checkout. We never touch your card.

§05 / FIELD NOTES · PILOT COHORT

Built for the $340-on-Dec-18th moment.

Balance
$340
Settled
$338
"I had $340 left on December 18th. Entered it, got a bundle, checked out in 12 minutes. Done."
— Priya K. Marketing, Chicago
Balance
$890
Settled
$881
"Didn't know my wife's breast pump accessories counted. Saved me from forfeiting $600."
— Marcus T. Software eng, Austin
Balance
$175
Settled
$170
"I work in healthcare and I still didn't know sunscreen was eligible. Bought a year's supply."
— Jess R. Nurse, Portland
§06 / DEADLINE · NOTIFICATIONS

Settlement ends Dec 31 · 23:59.

Standard FSA plans forfeit unspent balances at midnight December 31. Grace-period plans extend to March 15. Carryover plans permit up to $640.

Subscribe · 4 sends/year
Filed reminders: Oct 1, Nov 15, Dec 15, Dec 28.

No spam. No data sold. One-click unsubscribe. Stored on a non-retention basis.

A note from
the author
I built SpendDown after forfeiting $280 in 2024. I'm not a tax advisor. The catalog is a best-effort reading of IRS Publication 502 and the SIGIS registry, cross-checked on Sunday afternoons. When an item is ambiguous, we mark it † check-with-admin rather than pretend.
— Alex Kerpelman, founder