How much can I contribute to my HSA?
A Health Savings Account is the most tax-advantaged account in the code — money goes in pre-tax, grows tax-free, and comes out tax-free for medical costs. This calculator uses the 2026 IRS limits to show how much room you have left after your employer's contribution and what you've already put in, plus the tax you'd save by filling it. Everything runs in your browser — nothing is uploaded.
Assumptions (2026 figures)
- Uses the IRS-announced 2026 HSA limits: self-only $4,400, family $8,750, plus a $1,000 catch-up if you're 55 or older by year end.
- Employer contributions (including any wellness incentives) count against the same limit, so they reduce what you can add.
- The tax savings figure is an estimate = your personal contribution × the marginal rate you enter. Payroll contributions also skip the 7.65% FICA tax; direct contributions don't.
- You must be covered by an HSA-qualified high-deductible health plan and not enrolled in Medicare to contribute.
An estimate for planning, not tax advice. It does not model the "last-month rule," a mid-year change in coverage, married couples splitting the family limit, or state HSA quirks (CA and NJ tax HSA earnings). Confirm your own limit with a tax professional.
2026 HSA contribution limits
For 2026 the IRS set the maximum HSA contribution at $4,400 for self-only coverage and $8,750 for family coverage. If you're 55 or older by the end of the year you can add a $1,000 catch-up on top. These are the totals from all sources combined — your payroll deferrals, anything you deposit directly, and whatever your employer chips in.
Why your employer's contribution matters
A common surprise: money your employer puts into your HSA isn't free room on top of the limit — it uses up the same bucket. If the family limit is $8,750 and your employer contributes $1,000, you can personally add at most $7,750. This calculator subtracts both the employer amount and what you've already contributed to show the real space you have left.
The triple tax advantage
- Deductible going in. Contributions are pre-tax (via payroll) or deductible (if made directly), lowering this year's taxable income.
- Tax-free growth. Interest and investment gains inside the account are never taxed federally.
- Tax-free coming out. Withdrawals for qualified medical expenses are tax-free — at any age, with no deadline to reimburse yourself.
After age 65 you can also withdraw for any reason and just pay ordinary income tax, like a traditional IRA — which is why many savers treat a maxed HSA as a stealth retirement account.
Should you max it out?
If you can cover current medical bills from cash flow, filling the HSA and letting it grow invested is often the highest-return move available: you get the deduction now and decades of tax-free compounding. If money is tight, contribute at least enough to grab any employer match and to build a buffer for your plan's deductible.
Frequently asked questions
What are the 2026 HSA contribution limits?
For 2026 the IRS limits are $4,400 for self-only HDHP coverage and $8,750 for family coverage. Account holders who are 55 or older by the end of the year can contribute an extra $1,000 catch-up. These caps apply to the combined total from you and your employer.
Do employer contributions count toward the HSA limit?
Yes. Contributions from your employer — including matching or wellness incentives — count against the same annual maximum, so they reduce how much you can personally add. This calculator subtracts the employer amount from your limit automatically.
Who qualifies for the $1,000 catch-up contribution?
Anyone who is 55 or older by December 31 of the tax year can add the $1,000 catch-up. If both spouses are 55+, each can make a $1,000 catch-up, but only into their own HSA — you can't double it up in one account.
How much tax does an HSA contribution save?
A rough estimate is your contribution multiplied by your marginal tax rate. Contributing $4,000 at a 24% rate saves about $960 in federal income tax. Contributions made through payroll also avoid the 7.65% Social Security and Medicare (FICA) tax, adding to the savings.
When is the deadline to contribute for a tax year?
You can contribute for a given tax year up until the federal tax filing deadline the following April, not just December 31. That gives you a few extra months to top up an HSA and still claim the deduction for the prior year.
See your HSA inside your whole plan
Free, private, and running entirely in your browser. Model your HSA, 401(k), taxes, and retirement together — and track plan vs. actual — no account required.