HSA Contribution Calculator 2026
Find your 2026 HSA contribution limit — $4,400 self-only or $8,750 family, plus $1,000 at 55+ — prorated for partial-year coverage, minus employer contributions, and see your tax savings.
Estimates only — not tax advice. Tax rules change and depend on your situation; check with the tax authority or a tax professional.
How to use
- 1Choose self-only or family coverage and months covered by an HSA-eligible plan.
- 2Enter your age and your employer's contributions.
- 3See how much more you can contribute and what it saves in tax.
How it's calculated
Limit = (coverage limit ÷ 12 × eligible months) + $1,000 if 55+. Your room = limit − employer contributions. Savings = contribution × (federal marginal + state rate) + 7.65% FICA when contributed through payroll.
Frequently asked questions
What are the 2026 HSA limits?
$4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up if you're 55 or older.
What is the last-month rule?
If you're HSA-eligible on December 1, you can contribute the full-year amount — but you must stay eligible through the next year or pay tax and a penalty.
Is an HSA better than a 401(k)?
HSAs are triple tax-advantaged (deductible, tax-free growth, tax-free for medical costs), so many people fund them first after getting the 401(k) match.