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HSA Calculator: 2026 Contribution Limit & Tax Savings

Find your 2026 HSA contribution limit (self-only or family, 55+ catch-up, partial year, employer money) and the federal, state and payroll tax you save.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Scope: your 2026 contribution limit for a health savings account (HSA) in US dollars, using the 2026 IRS limits ($4,400 self-only, $8,750 family, plus $1,000 if you are 55 or older by December 31), counted month by month like the Form 8889 chart, with the last-month rule, a spouse’s share of the family limit and your employer’s contributions taken out; then an estimate of the federal income tax, state income tax and Social Security and Medicare tax you save. Not included: Archer MSAs, the 0.9% Additional Medicare Tax, changing between self-only and family coverage in the middle of the year (enter the coverage you have most months, or use Form 8889), the 20% penalty on non-medical withdrawals, investment growth, and checking whether you can be claimed as someone’s dependent (then you cannot contribute). Some states do not give the HSA tax break; enter 0% for state tax if yours does not. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate. Sources reviewed November 11, 2026.

How to use it (step by step)

  1. 1Pick self-only or family, based on the high-deductible health plan (HDHP) that covers you, and enter your age on December 31, 2026.
  2. 2Enter how many months you are covered on the 1st of the month (12 if all year), what your employer puts in, and your tax rates. Leave the plan amount empty to see the maximum.
  3. 3Read your limit, the room left for you and your tax savings. Put money in through payroll at work if you can: it also skips Social Security and Medicare tax.

Words to know

HSA (health savings account)
A savings account for medical costs that you can open only with a high-deductible health plan. Money goes in before tax, grows tax-free and comes out tax-free for qualified medical expenses.
HDHP (high-deductible health plan)
A health plan with a higher deductible that meets IRS rules. For 2026 the deductible must be at least $1,700 for self-only or $3,400 for family coverage.
Catch-up contribution
An extra $1,000 a year allowed if you are 55 or older by the end of the year. A married couple who are both 55+ each put their own $1,000 into their own HSA.
Last-month rule
If you are HSA-eligible on December 1, you can contribute the full-year amount even if you joined late in the year, as long as you stay eligible during the testing period that follows.

Explore tools for Australia, the US & Europe →

Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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