• May include: A digital Medical Expense and HSA/FSA Tracker spreadsheet by TeamTimeTools. The interface displays columns for date, person, category, billed amounts, personal share, payment method, HSA/FSA deductions, and receipt status with 2027 limits.
  • May include: A digital dashboard screenshot titled The real Dashboard from TeamTimeTools, displaying a Google Sheet with financial data for the Alvarez family. The table includes columns for bills, HSA, FSA, and medical deductions with numerical values.
  • May include: A digital expense tracking interface titled Every bill in one place by TeamTimeTools. The table displays columns for Date, Person, Category, Billed, Your share, Paid with, From HSA, From FSA, Receipt, and Check status.
  • May include: An informational graphic titled Know your HSA room for 2027 by TeamTimeTools. It displays three white boxes with teal dollar amounts: $9,000 family limit, $4,100 counted, and $4,900 room left, plus sections for part-year coverage and shoebox balance.
  • May include: An informational graphic titled Don't lose your FSA money by TeamTimeTools. It displays three white boxes showing $1,500 FSA election, $945 left to spend, and 184 days left. Below are two text bars labeled Limited-purpose FSA check and Warnings, not surprises.
  • May include: A digital dashboard titled Month by month, person by person by TeamTimeTools. It displays a summary table with columns for Month, Billed, Insurance, Your share, From HSA, From FSA, and Out of pocket, with rows for months.
  • May include: A digital download information graphic from TeamTimeTools detailing a medical expense tracker. It lists an Excel spreadsheet and a Google Sheets PDF, followed by seven numbered tabs: Start Here, Dashboard, Setup, Expenses, Mileage, HSA Contributions, and Summary.
  • May include: An infographic titled How it works by TeamTimeTools outlining three steps: 1 Download, 2 Open, and 3 Add your bills. It includes instructions for accessing files via Etsy, Google Sheets, or Excel, plus a Start Here tab note.
  • May include: A digital Medical Expense and HSA/FSA Tracker spreadsheet by TeamTimeTools. The interface displays columns for date, person, category, billed amounts, personal share, payment method, HSA/FSA deductions, and receipt status with 2027 limits.
  • Product video
  • May include: A digital dashboard screenshot titled The real Dashboard from TeamTimeTools, displaying a Google Sheet with financial data for the Alvarez family. The table includes columns for bills, HSA, FSA, and medical deductions with numerical values.
  • May include: A digital expense tracking interface titled Every bill in one place by TeamTimeTools. The table displays columns for Date, Person, Category, Billed, Your share, Paid with, From HSA, From FSA, Receipt, and Check status.
  • May include: An informational graphic titled Know your HSA room for 2027 by TeamTimeTools. It displays three white boxes with teal dollar amounts: $9,000 family limit, $4,100 counted, and $4,900 room left, plus sections for part-year coverage and shoebox balance.
  • May include: An informational graphic titled Don't lose your FSA money by TeamTimeTools. It displays three white boxes showing $1,500 FSA election, $945 left to spend, and 184 days left. Below are two text bars labeled Limited-purpose FSA check and Warnings, not surprises.
  • May include: A digital dashboard titled Month by month, person by person by TeamTimeTools. It displays a summary table with columns for Month, Billed, Insurance, Your share, From HSA, From FSA, and Out of pocket, with rows for months.
  • May include: A digital download information graphic from TeamTimeTools detailing a medical expense tracker. It lists an Excel spreadsheet and a Google Sheets PDF, followed by seven numbered tabs: Start Here, Dashboard, Setup, Expenses, Mileage, HSA Contributions, and Summary.
  • May include: An infographic titled How it works by TeamTimeTools outlining three steps: 1 Download, 2 Open, and 3 Add your bills. It includes instructions for accessing files via Etsy, Google Sheets, or Excel, plus a Start Here tab note.
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Medical Expense Tracker 2027, HSA & FSA Spreadsheet, Receipt Log, Contribution Limit, Use It Or Lose It, Family Bills, Google Sheets Excel

Item highlights

  • Digital download
  • Digital file type(s): 1 ZIP

Seller's description

Track every family medical bill in 2027, see how much HSA room you have left, and know exactly how much FSA money you'll lose if you don't use it, and by when. This TeamTimeTools workbook keeps receipts, unpaid bills and HSA pay-yourself-back money in one place, with the 2027 IRS HSA limits built in. Works in Google Sheets and Excel.

WHAT'S INCLUDED
1. Medical Expense + HSA/FSA Tracker 2027 workbook (Google Sheets + Excel), 7 tabs:
- Start Here: plain-English steps.
- Dashboard: total billed, insurance paid, your share, still owed, paid from HSA and FSA, out of pocket, receipts missing, HSA limit vs contributed and room left, HSA cash balance, what you can still reimburse from the HSA, FSA left to spend, days left and money at risk, deductible and out-of-pocket max progress, and a rough medical deduction estimate.
- Setup: HSA coverage, age 55+, months covered, FSA type and deadlines, plan deductible, AGI, family members (up to 8) and categories (up to 20) you can edit.
- Expenses (400 rows): date of service, person, provider, category, billed, insurance paid, your share, paid, how you paid, reimbursements, receipt saved, and a Check column.
- Mileage (100 trips): miles x the IRS medical rate, plus parking and tolls, with an optional mid-year rate change.
- HSA Contributions (100 rows): payroll, employer and direct deposits, including prior-year deposits made by April 15.
- Summary: by month, by family member and by category.
2. Start Here PDF with your Google copy link.

WHY IT'S DIFFERENT
- Real 2027 HSA limits from IRS Rev. Proc. 2026-24 ($4,500 / $9,000, +$1,000 at 55), prorated for months covered.
- FSA use-it-or-lose-it countdown: days left and the dollar amount at risk, with your plan's carryover.
- Limited-purpose FSA warning: if you have an HSA, it flags non-dental or vision expenses put on the FSA.
- Pay-yourself-back list: out-of-pocket bills you can still reimburse from your HSA, only counting expenses after the date your HSA was opened.
- A Check column on every row says exactly what's wrong, and that row stays out of the totals until it's fixed.
- Works in Google Sheets AND Excel 2010 or newer, plus LibreOffice. No macros, nothing locked.

TESTED
Automated tests compared every calculated cell with an independent model over 4 rounds: the sample family, a stress file (400 expenses, 100 trips, 100 deposits) with planted mistakes, a bulk file of valid rows, and a cleared file. 44 of 44 checks passed. Google Sheets matched Excel/LibreOffice cell by cell (1,249 cells, 0 differences).

HOW TO GET IT
1. After you buy, go to your Etsy account > Purchases and download the zip. Etsy also emails you a link.
2. Open Medical-HSA-FSA-START-HERE.pdf. Click the link and choose "Make a copy" for Google Sheets, or open the .xlsx in Excel.
3. Look at the sample, clear it and add your first bill.

GOOD TO KNOW, PLEASE READ
- An organizer, not tax or medical advice. The deduction figure is a rough estimate and only matters if you itemize.
- The 2027 health FSA limit and 2027 medical mileage rate weren't published by the IRS as of Nov 2, 2026. Setup shows a $3,500 projection and the 23.5-cent July 2026 rate; you can type the new numbers in one cell each.
- The HSA months-covered limit is simplified and doesn't model the last-month rule.
- Sample family, providers and amounts are made up. US plans, one currency. Not designed for Apple Numbers.
- This is a digital download. Nothing physical will be shipped. Because it's a digital file, returns aren't accepted. If something isn't working, send me a message and I'll help.
- For your own household's use. Please don't resell or share the files or links.

HOW THIS WAS MADE
I designed this workbook with help from AI tools, which assisted with the formulas, layout and sample data. I chose the features after comparing the HSA and medical expense trackers already on Etsy, and checked every IRS figure on irs.gov. I tested every calculation against an independent check before listing.

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Price:$12.00

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Instant download

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Instant download items don't accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

Seller's description

Specifications

May include: A digital Medical Expense and HSA/FSA Tracker spreadsheet by TeamTimeTools. The interface displays columns for date, person, category, billed amounts, personal share, payment method, HSA/FSA deductions, and receipt status with 2027 limits.

Track every family medical bill in 2027, see how much HSA room you have left, and know exactly how much FSA money you'll lose if you don't use it, and by when. This TeamTimeTools workbook keeps receipts, unpaid bills and HSA pay-yourself-back money in one place, with the 2027 IRS HSA limits built in. Works in Google Sheets and Excel.

WHAT'S INCLUDED
1. Medical Expense + HSA/FSA Tracker 2027 workbook (Google Sheets + Excel), 7 tabs:
- Start Here: plain-English steps.
- Dashboard: total billed, insurance paid, your share, still owed, paid from HSA and FSA, out of pocket, receipts missing, HSA limit vs contributed and room left, HSA cash balance, what you can still reimburse from the HSA, FSA left to spend, days left and money at risk, deductible and out-of-pocket max progress, and a rough medical deduction estimate.
- Setup: HSA coverage, age 55+, months covered, FSA type and deadlines, plan deductible, AGI, family members (up to 8) and categories (up to 20) you can edit.
- Expenses (400 rows): date of service, person, provider, category, billed, insurance paid, your share, paid, how you paid, reimbursements, receipt saved, and a Check column.
- Mileage (100 trips): miles x the IRS medical rate, plus parking and tolls, with an optional mid-year rate change.
- HSA Contributions (100 rows): payroll, employer and direct deposits, including prior-year deposits made by April 15.
- Summary: by month, by family member and by category.
2. Start Here PDF with your Google copy link.

WHY IT'S DIFFERENT
- Real 2027 HSA limits from IRS Rev. Proc. 2026-24 ($4,500 / $9,000, +$1,000 at 55), prorated for months covered.
- FSA use-it-or-lose-it countdown: days left and the dollar amount at risk, with your plan's carryover.
- Limited-purpose FSA warning: if you have an HSA, it flags non-dental or vision expenses put on the FSA.
- Pay-yourself-back list: out-of-pocket bills you can still reimburse from your HSA, only counting expenses after the date your HSA was opened.
- A Check column on every row says exactly what's wrong, and that row stays out of the totals until it's fixed.
- Works in Google Sheets AND Excel 2010 or newer, plus LibreOffice. No macros, nothing locked.

TESTED
Automated tests compared every calculated cell with an independent model over 4 rounds: the sample family, a stress file (400 expenses, 100 trips, 100 deposits) with planted mistakes, a bulk file of valid rows, and a cleared file. 44 of 44 checks passed. Google Sheets matched Excel/LibreOffice cell by cell (1,249 cells, 0 differences).

HOW TO GET IT
1. After you buy, go to your Etsy account > Purchases and download the zip. Etsy also emails you a link.
2. Open Medical-HSA-FSA-START-HERE.pdf. Click the link and choose "Make a copy" for Google Sheets, or open the .xlsx in Excel.
3. Look at the sample, clear it and add your first bill.

GOOD TO KNOW, PLEASE READ
- An organizer, not tax or medical advice. The deduction figure is a rough estimate and only matters if you itemize.
- The 2027 health FSA limit and 2027 medical mileage rate weren't published by the IRS as of Nov 2, 2026. Setup shows a $3,500 projection and the 23.5-cent July 2026 rate; you can type the new numbers in one cell each.
- The HSA months-covered limit is simplified and doesn't model the last-month rule.
- Sample family, providers and amounts are made up. US plans, one currency. Not designed for Apple Numbers.
- This is a digital download. Nothing physical will be shipped. Because it's a digital file, returns aren't accepted. If something isn't working, send me a message and I'll help.
- For your own household's use. Please don't resell or share the files or links.

HOW THIS WAS MADE
I designed this workbook with help from AI tools, which assisted with the formulas, layout and sample data. I chose the features after comparing the HSA and medical expense trackers already on Etsy, and checked every IRS figure on irs.gov. I tested every calculation against an independent check before listing.

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Etsy Purchase Protection

If something goes wrong with an order, we've got your back on all eligible purchases. View program terms

Meet your seller

Joey
TeamTimeToolsDesigns ·

United States

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Listed on Nov 6, 2026
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