How much can I put in my HSA?
Enter your coverage, age and months covered. The calculator finds your 2026 HSA limit, takes off what your employer puts in, and shows the tax your contribution saves.
- Your contribution
- $4,400.00
You can put $4,400.00 in your HSA for 2026, which saves about $1,524.60 in tax.
- Your 2026 limit
- $4,400.00
- Room left after your employer
- $4,400.00
- Tax saved
- $1,524.60
- Cost after tax savings
- $2,875.40
Your contribution: $4,400.00. You can put $4,400.00 in your HSA for 2026, which saves about $1,524.60 in tax.
The results are estimates for information only. They are not financial, tax, or legal advice. Check the numbers with your lender or a qualified professional before you decide. Terms of use
How to calculate
Finds your 2026 HSA contribution limit for self-only or family coverage, with the catch-up at 55 and part-year coverage, and the tax your contribution saves.
Example with the default inputs (HDHP coverage Self-only, Age 55 or older by December 31 No, Months with HDHP coverage 12, Employer contributions $0.00, Federal tax bracket 22%, State income tax rate 5%, How you contribute Through payroll): You can put $4,400.00 in your HSA for 2026, which saves about $1,524.60 in tax.
Method: Limit = ($4,400 self-only or $8,750 family, plus $1,000 at 55 or older) × months ÷ 12; room = limit − employer money; tax saved = contribution × (federal + state + 7.65% through payroll).
- IRS limits for 2026 (Rev. Proc. 2025-19).
- Part-year coverage uses the monthly rule: one twelfth of the limit for each month covered on the first day.
- Not the last-month rule, which lets someone covered on December 1 use the full limit if they stay covered through the next year.
- Payroll savings assume wages under the Social Security wage base.
- Married couples with family coverage share one family limit.
Worked examples
Each example is checked against the calculator on every build.
- HDHP coverage Self-only, Age 55 or older by December 31 No, Months with HDHP coverage 12, Employer contributions $0.00, Federal tax bracket 22%, State income tax rate 5%, How you contribute Through payroll gives Your 2026 limit $4,400.00, Room left after your employer $4,400.00, Your contribution $4,400.00, Tax saved $1,524.60, Cost after tax savings $2,875.40.Source: IRS Rev. Proc. 2025-19 (https://www.irs.gov/irb/2025-21_IRB): 2026 self-only limit $4,400
- HDHP coverage Family, Age 55 or older by December 31 Yes, Months with HDHP coverage 7, Employer contributions $1,000.00, Federal tax bracket 24%, State income tax rate 0%, How you contribute On my own gives Your 2026 limit $5,687.50, Room left after your employer $4,687.50, Your contribution $4,687.50, Tax saved $1,125.00, Cost after tax savings $3,562.50.Source: IRS Rev. Proc. 2025-19 family limit $8,750 and IRS Publication 969 (https://www.irs.gov/publications/p969) $1,000 catch-up and monthly proration: (8,750 + 1,000) × 7 ÷ 12 = $5,687.50, minus $1,000 employer money
- HDHP coverage Self-only, Age 55 or older by December 31 No, Months with HDHP coverage 12, Employer contributions $500.00, Your contribution $3,000.00, Federal tax bracket 12%, State income tax rate 4.5%, How you contribute Through payroll gives Your 2026 limit $4,400.00, Room left after your employer $3,900.00, Your contribution $3,000.00, Tax saved $724.50, Cost after tax savings $2,275.50.Source: IRS Rev. Proc. 2025-19 self-only limit $4,400
- HDHP coverage Self-only, Age 55 or older by December 31 No, Months with HDHP coverage 5, Employer contributions $0.00, Federal tax bracket 22%, State income tax rate 0%, How you contribute On my own gives Your 2026 limit $1,833.33, Room left after your employer $1,833.33, Tax saved $403.33, Cost after tax savings $1,430.00.Source: IRS Publication 969 monthly proration: 4,400 × 5 ÷ 12 = 1,833.333…, $1,833.33 to the cent
How it works
Yearly limit. For 2026 (IRS Rev. Proc. 2025-19):
| Coverage | Limit | HDHP minimum deductible |
|---|---|---|
| Self-only | $4,400 | $1,700 |
| Family | $8,750 | $3,400 |
An account holder who is 55 or older on December 31 adds a catch-up of $1,000.
Your limit = (coverage limit + catch-up) × months ÷ 12, where months is the number of months you had HDHP coverage on the first day of the month. The limit is rounded to the cent (half up).
Room left = your limit − employer contributions. If your employer's money is more than your limit, there is no answer.
Your contribution is the amount you enter, or the room left when you leave it empty. A contribution above the room left gives no answer, because the excess is taxed.
Tax saved = contribution × (federal rate + state rate + FICA) ÷ 100, where FICA is 7.65 when you contribute through payroll and 0 when you contribute on your own. Cost after tax savings = contribution − tax saved. Each money result is computed from the exact typed values and rounded once, to the cent, half up.
Assumptions
- The monthly rule above. The last-month rule (covered on December 1 means a full-year limit, if you stay covered through the next year) is not used.
- The payroll saving assumes your wages are under the Social Security wage base.
- A married couple with family coverage shares one family limit; each spouse 55 or older may add $1,000 to their own HSA.
- Federal and state rates are your top (marginal) rates. California and New Jersey tax HSA contributions; use 0 for the state rate there.
When the data is out of date
The page uses the 2026 IRS limits. After December 31, 2026 it keeps these limits until it is updated, and says so above the result.
Worked examples by hand
Self-only, full year, through payroll, 22% federal and 5% state. Limit = 4,400 × 12 ÷ 12 = $4,400. With no employer money, you can put in $4,400. Tax saved = 4,400 × (22 + 5 + 7.65) ÷ 100 = 4,400 × 0.3465 = $1,524.60. Cost after tax savings = 4,400 − 1,524.60 = $2,875.40.
Family, 55 or older, 7 months, $1,000 from the employer, 24% federal, on your own. Limit = (8,750 + 1,000) × 7 ÷ 12 = $5,687.50. Room left = 5,687.50 − 1,000 = $4,687.50. Tax saved = 4,687.50 × 0.24 = $1,125.00.
Self-only, $500 from the employer, you put in $3,000, 12% federal, 4.5% state, payroll. Room left = 4,400 − 500 = $3,900, so $3,000 fits. Tax saved = 3,000 × (12 + 4.5 + 7.65) ÷ 100 = 3,000 × 0.2415 = $724.50.
Self-only for 5 months, 22% federal, on your own. Limit = 4,400 × 5 ÷ 12 = 1,833.333…, so $1,833.33. Tax saved = 1,833.33 × 0.22 = 403.3326, so $403.33.
Other questions people ask
What is the HSA contribution limit for 2026?
For 2026 the limit is $4,400 with self-only coverage and $8,750 with family coverage. If you are 55 or older by the end of the year, you may add $1,000.
Do employer contributions count toward the HSA limit?
Yes. Money your employer puts in, including payroll contributions made through a cafeteria plan, counts toward the same yearly limit. Subtract it to find what you can still add.
What if I had an HDHP for only part of the year?
Your limit is one twelfth of the yearly limit for each month you were covered on the first day of the month. With self-only coverage for 5 months, that is 4,400 × 5 ÷ 12 = $1,833.33.
How much tax does an HSA save?
Your contribution is not taxed by the federal government, and most states do not tax it either. Through payroll it also skips the 7.65% Social Security and Medicare tax. At 22% federal, 5% state and payroll, $4,400 saves $1,524.60.
What is the minimum deductible for an HSA-eligible plan in 2026?
A high deductible health plan needs a deductible of at least $1,700 for self-only coverage or $3,400 for family coverage in 2026, and out-of-pocket costs of no more than $8,500 or $17,000.
What happens if I put in too much?
Excess contributions are taxed 6% a year while they stay in the account. Take out the excess and its earnings by the tax filing deadline to avoid the tax.