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THE YEAR'S END is the perfect time to think about your health and fitness goals for the next year. But it's also a solid reminder to use up the rest of your FSA and HSA funds.

In case you're fuzzy on the details, a Flexible Spending Account (FSA) is an employer-sponsored perk that lets employees set aside pre-tax dollars to pay for healthcare related out-of-pocket expenses. A Health Savings Account (HSA) is a savings account where you put aside money to pay for qualified medical expenses in the future. Both are basically a well-thought, adult way to approach healthcare spending.

While HSA funds roll over, FSA funds need to be used up within your plan year. (Some employers will give you a grace period of up to 2.5 extra months to spend your FSA money, but the clock is ticking either way.) FSA/HSA funds can be used across a range of healthcare, including on fitness equipment. Meaning, you can use your pre-tax dollars to pick up a new massage gun, compression socks, or even a Peloton bike -- and save money in the process.

Keep in mind that some traditional fitness equipment requires a Letter of Medical Necessity from a doctor to state that you do, in fact, need it for your health. But given that fitness and health are intertwined, this isn't a hard sell for most doctors. Cross-referencing whether that gear you've been eyeing is eligible for FSA/HSA funds is annoying and time-consuming -- so we did it for you. These are the top FSA/HSA eligible fitness items we recommend using your funds on while you still can.

First and foremost, you need to make sure that the equipment or product you're interested in is eligible for FSA/HSA funds. Some companies will clearly state this in the product description, but many don't. Because of this, you may need to cross-reference what you can use your funds on with the IRS. (Here's a very long, government-written list of what you can spend your FSA dollars on. And here is a lengthy list for HSA funds.) You do need to read between the lines with a lot of this. Meaning, it won't explicitly say that you can buy the Beurer EM59 Digital TENS/EMS Device with Heat, one of our picks. But it will state that you can use your funds for "therapy" or something similar (in this case, a muscle stimulator).

A Letter of Medical Necessity is a form that your healthcare provider will need to fill out to use FSA/HSA funds for any service or product that falls under the category of "Maybe Expense" or "Ineligible Expense." This certifies that your healthcare provider thinks the service is medically necessary for you. In general, traditional fitness equipment falls into this category.

This should be obvious, but it doesn't hurt to state it: You can only use the FSA/HSA funds you have to purchase things under the eligibility. If you're not sure how much you have left over, you can check your balance by logging into your FSAFEDS account.

If you have plenty of funds to work with, it's a good idea to spread them around different areas of fitness. That can mean picking up compression socks and a fitness tracker, or investing in a foam roller to make sure you're hitting several areas of wellness. This isn't required to use your FSA/HSA funds, but it can be helpful for your overall health.

To pick the top FSA/HSA eligible fitness items, we began by carefully researching products that are covered by these funds and weeding out those that are ineligible. From there, we tapped into our extensive decades of product testing on a variety of fitness products, making sure these are items you'd want to get regardless of your FSA/HSA fund balance.

Each product meets our strict criteria for quality and function, so we only recommend the best. To ensure these products are actually FSA/HSA eligible, we carefully read product descriptions and cross-referenced items with the IRS' lists of eligible products. Some items will require a Letter of Medical Necessity to use your funds. We made sure to flag them below.

If you're needing to spend your FSA/HSA before the end of the year, these are 10 FSA/HSA eligible fitness products we recommend spending it on.