Find your 2026 HSA contribution limit, how much room is left, and the estimated tax savings from maxing it out.
2026 IRS HSA limits (Rev. Proc. 2025-19): $4,400 self-only / $8,750 family, plus a $1,000 catch-up at age 55+. Requires an HSA-eligible high-deductible health plan (2026: deductible at least $1,700 self-only / $3,400 family). Tax savings estimate applies your marginal rate to the full limit (contributions are pre-tax/deductible). Not tax advice.
An HSA is uniquely tax-advantaged: contributions are pre-tax, growth is tax-free, and withdrawals for medical costs are tax-free too. Contributing up to the annual limit (higher for families, plus a catch-up at 55) lowers this year's taxable income while building a health — and eventually retirement — fund.
Tax savings ≈ contribution × your marginal tax rate
The number this calculator produces comes from three facts about you, not from your income. First, your coverage type on the last day of the month: an HSA-eligible high-deductible health plan (HDHP) covering only you carries the self-only limit, $4,400 for 2026; one covering you plus anyone else carries the family limit, $8,750. Second, your age: if you are 55 or older at the end of the tax year the limit rises by $1,000, and that catch-up is per person, so two spouses over 55 each need their own HSA to claim two of them. Third, months of eligibility: the limit is technically one-twelfth per eligible month, with a "last-month rule" that lets anyone eligible on 1 December contribute the full year's amount, provided they stay eligible through the following December. The plan itself must clear the 2026 HDHP thresholds — a deductible of at least $1,700 self-only or $3,400 family, and out-of-pocket exposure no higher than $8,500 or $17,000 — which is why a plan with a big deductible is not automatically an HSA plan. Check the plan document for the words "HSA-eligible" rather than inferring it from the deductible.
The limit is a combined ceiling. Employer contributions count toward it, contributions made through payroll count toward it, and a lump sum you send directly in April counts toward it. A person whose employer seeds $750 into a self-only account does not have $4,400 of room; they have $3,650.
Self-only coverage, age 45, $1,200 contributed so far this year, a 24% marginal federal rate. The 2026 self-only limit is $4,400; no catch-up applies because 45 is under 55. Room left is $4,400 − $1,200 = $3,200. The tax-savings line multiplies the full limit by the marginal rate: $4,400 × 24% = $1,056. Switch the coverage to family and the age to 58 and the limit becomes $8,750 + $1,000 = $9,750, with $8,550 of room and a savings estimate of $2,340 at the same rate.
That savings figure is deliberately conservative in one direction and deliberately simple in another. It understates the benefit for anyone contributing through a cafeteria plan at work, because those contributions are excluded from Social Security and Medicare tax as well as income tax — another 7.65% on the amount, or about $337 on a full $4,400, as long as your wages are under the Social Security wage base. It overstates the benefit in the few states that tax HSA contributions, so check your own state's line.
Over-contributing is the common one, and it is usually accidental: a job change with two employers each seeding the account, or a family plan that reverted to self-only mid-year. The excess is subject to a 6% excise tax every year it stays in the account; withdrawing it, with its earnings, before the filing deadline clears the problem. The second is counting the employer's contribution as "free money on top" rather than as part of the limit. The third is spending the account on non-medical items before 65, which costs income tax plus a 20% penalty on the amount. The fourth is the reverse problem: never using it at all while paying medical bills from a taxed account, which throws away the one tax-free withdrawal available to most people.
This page answers the limit question for one coverage type and one age. It cannot track what has already gone in across two payrolls and a direct deposit, it cannot file receipts for the reimbursement you plan to take in ten years, and it cannot show the deduction on the return. For the self-employed, who take the HSA deduction above the line on Schedule 1 rather than through payroll, the contribution belongs in the same ledger as the rest of the year's deductions — our 1099 tax tracker keeps that record beside income and expenses so the number is there at filing time. The income tax calculator shows what the deduction does to the whole return, and the take-home pay calculator shows the paycheck effect of a payroll contribution.
Only if you're enrolled in an HSA-eligible high-deductible health plan (HDHP) and have no disqualifying coverage. Check your plan documents.
It rolls over every year and is yours to keep — unlike an FSA. After 65 you can withdraw for any purpose (taxed like an IRA), which makes the HSA a stealth retirement account.
Related: Roth IRA calculator · income tax calculator · 401(k) match calculator · all free calculators.
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