Money in an FSA has an expiry date. Money in an HSA has a ceiling you can overshoot from a pay stub. This 8-page tracker keeps both in front of you until the plan year closes. Pages: a plan-year date card, an FSA balance ledger, one row per month with the grace and run-out months after it, a burn-rate table that turns a leftover balance into a weekly pace, a spend-down plan with member names on it, a receipts and claim log, and an HSA contribution room tracker with a month grid. Every figure is blank on purpose. Ceilings and deadlines move between years and employers, so nothing here claims yours. Each line names the paper to read it off: benefit notice, administrator statement, pay stub, or check IRS limit letter for your tax year. Printable PDF, 8 pages, A4 and US Letter, print at actual size and reprint pages as often as you like. Ledger and worksheet only: no limit, no deadline, no tax, medical or legal advice.