🩺 HSA Contribution Calculator
Find your maximum allowed HSA contribution for 2026 and estimate your tax savings.
2026 HSA Contribution Limits (IRS)
For 2026, the IRS HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. If you are 55 or older, you can add a $1,000 catch-up contribution on top of whichever limit applies. This limit covers the combined total of your own contributions and anything your employer contributes on your behalf.
To contribute to an HSA, you must be enrolled in a qualifying High-Deductible Health Plan (HDHP). This calculator assumes you already know you're HSA-eligible — it does not check HDHP qualification.
Frequently Asked Questions
What happens if I over-contribute?
Excess HSA contributions are subject to a 6% excise tax for every year the excess remains in the account. You can avoid this by withdrawing the excess (plus any earnings on it) before your tax filing deadline.
Can both spouses get the 55+ catch-up?
Yes, but each spouse's catch-up must go into their own HSA — it cannot be added to a shared or joint account, since HSAs are always individually owned.
Guide: understanding your result
- You can contribute to an HSA only while covered by an HSA-eligible high-deductible health plan (HDHP).
- Contributions are tax-deductible (or pre-tax through payroll), growth is untaxed, and withdrawals for qualified medical expenses are tax-free.
- Account holders 55 and older can add a catch-up contribution.
Worked example
For 2026, the limit is $4,400 for self-only coverage and $8,750 for family coverage, plus $1,000 if you are 55 or older. Employer contributions count toward the limit.
2026 HSA contribution limits
| Coverage | Limit | With age-55 catch-up |
|---|---|---|
| Self-only | $4,400 | $5,400 |
| Family | $8,750 | $9,750 |
Source: IRS Revenue Procedure 2025-19.
Common mistakes to avoid
- Forgetting that employer contributions count toward the annual limit.
- Contributing after enrolling in Medicare.
Official sources
Examples are calculated live from the same data the calculator uses and are for education only — they are not financial, tax or investment advice.
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