HSA Contribution Calculator 2026
How much you can put in a health savings account in 2026, after employer contributions, and the tax it saves, for self-only or family coverage.
Result
Your 2026 contribution limit: $4,400
Assumes you are HSA-eligible on the first day of each month counted. States may tax HSA contributions differently.
- You can still contribute
- $4,400Estimate
- Federal income tax saved
- $968Estimate
- Social Security and Medicare saved
- $337Estimate
- Total federal tax saved
- $1,305Estimate
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Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the HSA Contribution Calculator 2026
- Pick whether your high-deductible health plan covers just you or your family.
- Say whether you are 55 or over by the end of 2026, and how many months you are covered.
- Enter what your employer puts in, your federal tax bracket, and whether you contribute through payroll.
- Read your limit, how much you can still add and the tax it saves.
The limit and the saving
The HSA limit is set each year by the IRS. The page starts from the annual limit for your coverage, adds the catch-up if you are 55 or over, and takes one twelfth for each month you were covered. Employer contributions come off what is left.
limit = (self-only $4,400 or family $8,750, + $1,000 at 55+) × months ÷ 12room = limit − employer contributionssaved = room × your bracket (+ 7.65% through payroll)The tax saving uses the bracket you enter for all of the room. If a contribution would take you into a lower bracket the real saving is a little smaller. Most states follow the federal treatment, but California and New Jersey tax HSA contributions.
With your numbers
- Limit $4,400 less employer contributions = $4,400 you can add
Quick reference
Assumes you are HSA-eligible on the first day of each month counted. States may tax HSA contributions differently.
| Example | Your 2026 contribution limit |
|---|---|
| Self-only, under 55 | $4,400 |
| Family, 57 | $9,750 |
| Self-only, 56 | $5,400 |
| Family, $1,000 from employer | $8,750 |
| Self-only, 6 months | $2,200 |
| Family, 24% bracket, outside payroll | $8,750 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
5 sources
Rev. Proc. 2025-19, section 2.01, https://www.irs.gov/pub/irs-drop/rp-25-19.pdf: "self-only coverage under a high deductible health plan is $4,400"
Used for
- HSA contribution limit, self-only HDHP coverage.
Rev. Proc. 2025-19, section 2.01: "family coverage … is $8,750"
Used for
- HSA contribution limit, family HDHP coverage.
26 U.S.C. 223(b)(3), https://www.law.cornell.edu/uscode/text/26/223: "$1,000" for 2009 and thereafter
Used for
- HSA catch-up contribution for an account holder aged 55 or over; not indexed.
IRS Publication 15 (2026), https://www.irs.gov/publications/p15: "6.2% each for the employer and employee"
Used for
- Employee Social Security (OASDI) tax rate.
IRS Publication 15 (2026), https://www.irs.gov/publications/p15: "1.45% each for the employee and employer"
Used for
- Employee Medicare tax rate, with no wage limit.
Common questions about the HSA Contribution Calculator 2026
- What are the 2026 HSA contribution limits?
- $4,400 for self-only coverage and $8,750 for family coverage. If you are 55 or over by the end of the year you can add a $1,000 catch-up contribution, which is not adjusted for inflation. Employer contributions count toward the same limit.
- Who can contribute to an HSA?
- Someone covered by a high-deductible health plan, with no other disqualifying health coverage, who is not enrolled in Medicare and cannot be claimed as someone else's dependent. For 2026 a qualifying plan has a deductible of at least $1,700 for self-only or $3,400 for family coverage. From 2026, bronze and catastrophic plans bought on a Marketplace exchange count too, and direct primary care arrangements no longer disqualify you.
- How much tax does an HSA save?
- Contributions are deducted from income, so they save income tax at your top rate. Contributions taken from pay through a cafeteria plan also skip the 7.65% Social Security and Medicare tax, which contributions you make yourself don't. Withdrawals for qualified medical costs are tax-free, and the money can be invested and grow untaxed.
- What if I was only covered for part of the year?
- The limit is worked out month by month: one twelfth of the annual limit for each month you were eligible on the first day. The page does that. A special last-month rule lets someone eligible on 1 December contribute the full year's amount, but only if they stay eligible through the following year, so check it with your HSA provider.
- Can a married couple both use the catch-up?
- Yes, if both are 55 or over, but each catch-up has to go into that spouse's own HSA. A couple on family coverage share the family limit between them.