2026 HSA Contribution Limit Calculator
Estimate the maximum you may contribute for 2026 and how much room remains after employer and personal deposits. The calculator uses the official IRS limits of $4,400 for self-only coverage and $8,750 for family coverage.
About the HSA Contribution Calculator
The 2026 annual contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. Employer contributions count toward the same limit. Eligible individuals age 55 or older by the end of the tax year may add a $1,000 catch-up contribution.
If you are eligible for only part of the year, the normal calculation is one-twelfth of the annual limit for each eligible month. The last-month rule can permit a full-year limit when you are eligible on December 1, but it includes a testing period. This calculator shows that option separately so it is not applied accidentally.
Frequently Asked Questions
What are the 2026 HSA contribution limits?
The IRS limit is $4,400 for self-only HDHP coverage and $8,750 for family HDHP coverage. Employer deposits are included in these totals. Eligible people age 55 or older may add a $1,000 catch-up contribution.
What qualifies as a High-Deductible Health Plan for HSA eligibility?
For 2026, the general HDHP minimum deductible is $1,700 for self-only coverage or $3,400 for family coverage. The maximum out-of-pocket amount is $8,500 for self-only coverage or $17,000 for family coverage. Other eligibility rules and statutory exceptions can apply.
Do employer contributions reduce how much I can contribute?
Yes. Employer and employee contributions share the same annual limit. Enter both employer deposits and your own contributions so the calculator can estimate the remaining room.
How do partial-year eligibility and the last-month rule work?
Without the last-month rule, the annual limit is generally prorated by eligible months. The last-month rule may allow a full-year limit if you are eligible on December 1, but you must remain eligible during the testing period or additional tax consequences can apply.
Can I use HSA funds for non-medical expenses?
Yes, but withdrawals for non-medical expenses before age 65 are subject to income tax plus a 20% penalty. After age 65, non-medical withdrawals are taxed as ordinary income (like a traditional IRA) with no penalty.
Do HSA funds roll over year to year?
Yes. HSA balances generally carry forward. Investment availability and minimum cash-balance requirements depend on the account provider.
What happens to my HSA if I change to a non-HDHP?
You keep your existing HSA balance and can continue to use it for qualified medical expenses tax-free. However, you cannot make new contributions until you are again enrolled in an HDHP.
What does the tax-savings estimate include?
It multiplies remaining contribution room by the selected federal income tax rate. It does not calculate state taxes, payroll-tax treatment, deductions already claimed, excess-contribution penalties or individual tax circumstances.
Disclaimer: This calculator provides estimates only. Consult a tax professional or licensed insurance advisor for personalized advice.
How to Use the HSA Calculator
- Choose coverage — Select self-only or family coverage and enter your age at the end of 2026.
- Count eligible months — Include months when you were HSA eligible on the first day of the month.
- Enter all deposits — Add employer contributions and your own contributions already made for 2026.
- Review remaining room — Compare the result with account records before making another deposit.
Checks Before Contributing
- Confirm that your plan and other coverage make you HSA eligible for each month counted.
- Include deposits made by every employer and contributions made to all HSAs in your name.
- Coordinate family contributions and separate catch-up contributions with a spouse when applicable.
- Do not rely on the last-month rule without understanding its testing period.