{
  "id": "hsa",
  "version": "3726db816b20",
  "status": "published",
  "name": "HSA Calculator",
  "question": "How much can I put in my HSA?",
  "summary": "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.",
  "category": "finance",
  "subcategory": "tax-and-pay",
  "url": "https://www.acalculator.org/finance/hsa-calculator",
  "markdown": "https://www.acalculator.org/finance/hsa-calculator.md",
  "kind": "function",
  "method": "Limit = ($4,400 self-only or $8,750 family, plus $1,000 at 55 or older) × months ÷ 12; room = limit − employer money; tax saved = contribution × (federal + state + 7.65% through payroll).",
  "assumptions": [
    "IRS limits for 2026 (Rev. Proc. 2025-19).",
    "Part-year coverage uses the monthly rule: one twelfth of the limit for each month covered on the first day.",
    "Not the last-month rule, which lets someone covered on December 1 use the full limit if they stay covered through the next year.",
    "Payroll savings assume wages under the Social Security wage base.",
    "Married couples with family coverage share one family limit."
  ],
  "inputs": {
    "$schema": "https://json-schema.org/draft/2020-12/schema",
    "type": "object",
    "properties": {
      "cov": {
        "title": "HDHP coverage",
        "description": "Self-only covers just you; family covers you and at least one other person.",
        "type": "string",
        "enum": [
          "self",
          "family"
        ]
      },
      "age55": {
        "title": "Age 55 or older by December 31",
        "description": "Account holders 55 or older at the end of the year may add $1,000.",
        "type": "string",
        "enum": [
          "no",
          "yes"
        ]
      },
      "months": {
        "title": "Months with HDHP coverage",
        "description": "Months in 2026 you were covered by a high deductible health plan on the first day of the month.",
        "type": "integer",
        "minimum": 0,
        "maximum": 12
      },
      "employer": {
        "title": "Employer contributions",
        "description": "What your employer puts in your HSA for the year. It counts toward your limit.",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 100000
      },
      "amount": {
        "title": "Your contribution",
        "description": "What you plan to put in for 2026. Leave it empty to use the most you can.",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 100000
      },
      "fed": {
        "title": "Federal tax bracket",
        "description": "Your top federal income tax rate, such as 12%, 22% or 24%.",
        "type": "number",
        "x-unit": "percent",
        "minimum": 0,
        "maximum": 50
      },
      "state": {
        "title": "State income tax rate",
        "description": "Your state income tax rate (0 if your state has none or taxes HSA money).",
        "type": "number",
        "x-unit": "percent",
        "minimum": 0,
        "maximum": 20
      },
      "pay": {
        "title": "How you contribute",
        "description": "Payroll contributions through a cafeteria plan also skip the 7.65% Social Security and Medicare tax.",
        "type": "string",
        "enum": [
          "payroll",
          "direct"
        ]
      }
    }
  },
  "outputs": {
    "contribution": {
      "label": "Your contribution",
      "description": "The amount you entered, or the room left when you left it empty.",
      "format": "money"
    },
    "limit": {
      "label": "Your 2026 limit",
      "description": "The coverage limit plus any catch-up, times the months of coverage over 12.",
      "format": "money"
    },
    "room": {
      "label": "Room left after your employer",
      "description": "Your limit minus your employer’s contributions.",
      "format": "money"
    },
    "taxSaved": {
      "label": "Tax saved",
      "description": "Your contribution times the federal, state and (through payroll) 7.65% FICA rates.",
      "format": "money"
    },
    "netCost": {
      "label": "Cost after tax savings",
      "description": "Your contribution minus the tax it saves.",
      "format": "money"
    }
  },
  "defaultAnswer": {
    "inputs": {
      "cov": "self",
      "age55": "no",
      "months": 12,
      "employer": 0,
      "fed": 22,
      "state": 5,
      "pay": "payroll"
    },
    "outputs": {
      "contribution": 4400,
      "limit": 4400,
      "room": 4400,
      "taxSaved": 1524.6,
      "netCost": 2875.4
    },
    "text": "You can put $4,400.00 in your HSA for 2026, which saves about $1,524.60 in tax."
  },
  "examples": [
    {
      "given": {
        "cov": "self",
        "age55": "no",
        "months": 12,
        "employer": 0,
        "fed": 22,
        "state": 5,
        "pay": "payroll"
      },
      "expect": {
        "limit": 4400,
        "room": 4400,
        "amount": 4400,
        "taxSaved": 1524.6,
        "netCost": 2875.4
      },
      "source": "IRS Rev. Proc. 2025-19 (https://www.irs.gov/irb/2025-21_IRB): 2026 self-only limit $4,400; 4,400 × (22% + 5% + 7.65%) = $1,524.60 (hand calculation in content.mdx)"
    },
    {
      "given": {
        "cov": "family",
        "age55": "yes",
        "months": 7,
        "employer": 1000,
        "fed": 24,
        "state": 0,
        "pay": "direct"
      },
      "expect": {
        "limit": 5687.5,
        "room": 4687.5,
        "amount": 4687.5,
        "taxSaved": 1125,
        "netCost": 3562.5
      },
      "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"
    },
    {
      "given": {
        "cov": "self",
        "age55": "no",
        "months": 12,
        "employer": 500,
        "amount": 3000,
        "fed": 12,
        "state": 4.5,
        "pay": "payroll"
      },
      "expect": {
        "limit": 4400,
        "room": 3900,
        "amount": 3000,
        "taxSaved": 724.5,
        "netCost": 2275.5
      },
      "source": "IRS Rev. Proc. 2025-19 self-only limit $4,400; 3,000 × (12% + 4.5% + 7.65%) = $724.50 (hand calculation)"
    },
    {
      "given": {
        "cov": "self",
        "age55": "no",
        "months": 5,
        "employer": 0,
        "fed": 22,
        "state": 0,
        "pay": "direct"
      },
      "expect": {
        "limit": 1833.33,
        "room": 1833.33,
        "taxSaved": 403.33,
        "netCost": 1430
      },
      "source": "IRS Publication 969 monthly proration: 4,400 × 5 ÷ 12 = 1,833.333…, $1,833.33 to the cent; 1,833.33 × 22% = $403.33"
    }
  ],
  "sources": [
    "Internal Revenue Service, Rev. Proc. 2025-19, Internal Revenue Bulletin 2025-21 (May 19, 2025), 2026 HSA and HDHP limits: https://www.irs.gov/irb/2025-21_IRB (retrieved 2026-10-05)",
    "Internal Revenue Service, Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans: https://www.irs.gov/publications/p969 (retrieved 2026-10-05)"
  ],
  "related": [
    "fsa",
    "401k",
    "payroll-tax"
  ],
  "changelog": []
}