TAX FORMS · IRS · BUILT IN
Add the HSA statements, Forms 1099-SA and W-2, coverage records and last year’s workpapers. Fyllyo fills Form 8889 on your Mac. Anything the documents disagree on is left for you, with the reason.
Form 8889 looks short, but almost every line depends on another document: who put money in, which months the person was covered, and what last year’s return used. HSA statements, payroll records and last year’s workpapers all carry similar-looking amounts, and software reading them can take the wrong one. These are the common places AI tools and autofill get it wrong. What the form requires is for the IRS to say. Follow its instructions. IRS instructions for Form 8889.
Last year’s workpapers can hold an early estimate in a letter and the final figures in the filed worksheet. A tool that copies the first figure it finds can put an amount nobody checked into income and the additional tax.
The yearly HSA limit printed in guides and payroll portals assumes coverage all year. When coverage changed mid-year, software can copy that figure anyway.
Pretax payroll deposits show up on the HSA statement, and the W-2 adds them into one code W total. Software can count the deposits and then add the W-2 total on top, or treat them as the person’s own money.
When more went into the HSA than the limit allows, software often copies the person’s total contributions as the deduction.
With a test client and nine documents (an organizer, an HSA statement, a Form 1099-SA, a contribution confirmation, a W-2 summary, a new employer’s benefits confirmation, therapy receipts, last year’s worksheet and a letter from the prior preparer), Fyllyo filled 16 fields in 29 seconds. It left 3 for the preparer, each with the reason.
Fyllyo can fill all 27 fields on Form 8889 from the client’s documents. Lines the documents don’t support stay blank and are listed for you to check.
You confirm on every form
Fyllyo reads the documents you already have. These can be PDFs, scans, photos, Word files or typed notes, and you can add several at once. Fyllyo works out which document answers which line.
Client documents and the filled form never leave your computer. Fyllyo uploads nothing. Once it is set up, filling works offline.
Fyllyo doesn’t decide what to file, give legal or tax advice, or submit Form 8889 for you. Use the IRS’s instructions for Form 8889 and your professional judgement. Fyllyo does the reading and the typing.
Fyllyo reads scans and photos as well as PDFs, Word files and typed notes. Clear, readable copies give the best results, and every answer on Form 8889 still shows the line it came from.
Try form filling free for 5 days. Then buy Fyllyo Paid once for $99. It is a lifetime licence with free updates and no subscription. Filling forms on your Mac uses no AI credits. Pricing and licence details.
fyllyo