Your HSA details
Self-only: only you on the HDHP. Family: plan covers at least one dependent.
Check your benefits portal. Employer contributions count toward your IRS limit.
Your 2026 limits
| 2026 self-only limit | $4,400 |
| Gross annual limit | $4,400 |
| Your contribution limit | $4,400 |
Estimated federal tax savings(by marginal bracket)
Savings shown are federal income tax only. Add your state income tax rate for total savings. FICA taxes are also avoided when contributed through payroll.
The triple tax advantage
What is How to Use the HSA Contribution Calculator?
A Health Savings Account (HSA) is a tax-advantaged account paired with a High Deductible Health Plan (HDHP). For 2026, the IRS sets annual contribution limits based on your coverage type and age. This calculator shows your exact limit, adjusted for mid-year enrollment and employer contributions.
How to Use
- Select your HDHP coverage type — Self-only if only you are covered, Family if your plan covers dependents.
- Enter your age to check for the $1,000 catch-up contribution available at age 55+.
- Choose the month you first became HDHP-eligible in 2026. If you were enrolled all year, select January.
- Enter your employer's HSA contribution for 2026 — this counts toward your total limit.
- Review your contribution limit and estimated tax savings across different tax brackets.
Why Use This Tool?
Tips & Best Practices
- The "last-month rule" lets you contribute the full annual limit if you are HDHP-eligible on December 1 — but you must stay HDHP-eligible through December 31 of the following year, or you owe taxes + 10% penalty on the excess.
- Employer contributions count toward your annual IRS limit. Verify your employer's contribution amount in your benefits portal.
- Contributing the maximum each year and investing (not just saving) in your HSA can build significant tax-free wealth for retirement healthcare.
- Both spouses can have separate HSAs if both have HDHP coverage, but the combined family limit still applies.
- Excess contributions trigger a 6% excise tax. Use this calculator to avoid over-contributing.
Frequently Asked Questions
What are the 2026 HSA contribution limits?
The 2026 HSA limits are $4,400 for self-only coverage and $8,750 for family coverage. Those 55 or older can add a $1,000 catch-up contribution. These are combined limits — employer contributions count toward the same cap.
What happens if I contribute too much to my HSA?
Excess contributions are subject to a 6% excise tax each year they remain in the account. You can avoid the penalty by withdrawing the excess (plus any earnings on it) before the tax filing deadline, including extensions.
Can I invest my HSA funds?
Yes. Most HSA providers let you invest in mutual funds or ETFs once your balance exceeds a threshold (often $1,000–$2,000). Invested HSA funds grow tax-free, which is a key part of the triple tax advantage.
Is an FSA the same as an HSA?
No. A Flexible Spending Account (FSA) is not paired with an HDHP, has a lower contribution limit ($3,300 in 2026), and has a "use it or lose it" rule (up to $660 can roll over). An HSA balance rolls over entirely each year and is yours to keep even if you change jobs.