HSA Calculator
HSA Calculator
Contribution room, tax savings, and long-term growth for a Health Savings Account.
We Are Calculator
Professional Financial Tools
8/2/2026
Contribution room = how much you can still put in. Tax savings = what it saves you this year. Growth = what it becomes if you invest it.
2026 limits: $4,400 self-only, $8,750 family.
At 55 or older you can add a $1,000 catch-up contribution.
Eligibility is judged on the first day of each month. Count only months you had qualifying HDHP coverage.
Counts against your IRS limit — it is not extra room on top.
Enter your details to see results
One or more required values are empty or zero. Fill in the fields on the left — results update automatically.
A Health Savings Account is the only account in the US tax code with a triple tax advantage: contributions are deductible, growth is untaxed, and withdrawals for qualified medical expenses are tax-free. No 401(k), IRA, or Roth account does all three.
That makes the interesting question less "what's the limit" and more "what is this actually worth to me." This calculator answers three separate questions, and you pick which one you're asking:
All calculations run in your browser. Nothing you type is sent to a server, and there's no signup.
The IRS sets these amounts annually in a Revenue Procedure. For 2026 they come from Revenue Procedure 2025-19:
| Item | Self-Only | Family |
|---|---|---|
| Annual contribution limit | $4,400 | $8,750 |
| Catch-up, age 55+ | +$1,000 | +$1,000 |
| Maximum with catch-up | $5,400 | $9,750 |
| HDHP minimum deductible | $1,700 | $3,400 |
| HDHP out-of-pocket maximum | $8,500 | $17,000 |
Two things trip people up constantly:
Employer contributions count against your limit. They are not extra room on top. If your employer puts in $1,200 on a family plan, your own remaining room is $7,550, not $8,750. The calculator subtracts this automatically.
The catch-up is per person, not per account. A married couple who are both 55+ can each contribute a $1,000 catch-up, but the catch-up must go into that individual's own HSA. Two catch-ups cannot be stacked into one spouse's account.
The One Big Beautiful Bill Act (Pub. L. 119-21) changed HSA eligibility, and the IRS issued implementing guidance in Notice 2026-5. These provisions apply for months beginning after December 31, 2025 — meaning they are live for the entire 2026 plan year. Most HSA calculators and custodian pages have not been updated for them.
1. Bronze and catastrophic Exchange plans now count as HDHPs. Previously most bronze plans failed the HDHP test because their out-of-pocket maximums exceeded the statutory limit. Under the amended rules, any bronze or catastrophic plan available as individual coverage through an ACA Exchange is treated as an HDHP even if it does not meet the minimum deductible or out-of-pocket requirements. If you buy your own coverage on the marketplace and previously couldn't open an HSA, that may have changed.
2. Direct primary care no longer disqualifies you. A direct primary care service arrangement — a flat monthly fee to a primary care practice — used to count as disqualifying coverage that blocked HSA contributions. It no longer does, provided the fee does not exceed $150/month for an individual or $300/month for an arrangement covering more than one person. Those fees are also now reimbursable from your HSA.
3. Telehealth before the deductible is permanent. The pandemic-era safe harbor allowing an HDHP to cover telehealth without applying the deductible was made permanent, retroactive to plan years beginning after December 31, 2024.
Worth checking if you were previously ineligible. The bronze-plan change in particular opens HSAs to a large group of self-employed and marketplace-insured people who were locked out before 2026. Eligibility is determined month by month, so becoming eligible mid-year gives you a prorated limit — which the calculator handles.
Start by picking a mode at the top, then fill in the inputs that appear.
The one input that matters most here is "Contributing through payroll?" Payroll contributions made through a Section 125 cafeteria plan avoid Social Security and Medicare tax as well as income tax. Contributions you make directly to the custodian are an above-the-line deduction — they save income tax but not FICA. On a $4,400 contribution that difference is about $337. Most online HSA calculators ignore it entirely.
Set the state rate to 0 if you live in a state with no income tax, or in California or New Jersey, which do not allow an HSA deduction at the state level.
Set "annual medical spending from HSA" to 0 to model the strategy serious HSA investors use: pay current medical costs out of pocket, keep the receipts, and let the account compound untouched. Set it to your realistic annual medical spend to see the more common outcome.
One caveat: the return rate only applies to invested HSA dollars. Many custodians require a minimum cash balance (often $1,000–$2,000) before you can invest, and money sitting in the cash sweep earns close to nothing.
Every figure below is the calculator's actual output.
Age 45, family HDHP coverage all year, employer contributes $1,200.
Self-only coverage starting July 1, so eligible on the first day of 6 months.
The last-month rule can override this and let you contribute the full $4,400 — but it carries a testing period with a penalty if you fail it. See the FAQ below.
$85,000 income, single filer, contributing the full $4,400 through payroll:
Contributing $4,400 costs about $3,095 of actual take-home pay. Make the same contribution directly instead of through payroll and you save only $968 — the $337 of FICA savings disappears.
Starting from $0, contributing $4,400/year for 30 years at a 7% return, spending nothing from the account:
Spend $1,500/year from the account instead of investing it and the ending balance falls to $293,112. That $45,000 of spending cost about $151,600 of final balance — the real price of using an HSA as a checking account.
Withdrawals for qualified medical expenses are tax-free at any age, with no deadline. There is no "use it or lose it" rule — that's an FSA, not an HSA.
Withdrawals for anything else, before age 65, are taxed as ordinary income plus a 20% additional tax. Note that it is 20%, not the 10% figure many secondary sources quote by confusing it with the IRA early-withdrawal penalty. The 20% figure comes from Form 8889 and IRC §223(f)(4)(A).
The 20% penalty disappears in three situations: you reach age 65, you become disabled, or you die. After 65 a non-qualified withdrawal is simply taxed as ordinary income — at that point the HSA behaves like a traditional IRA for non-medical spending, while remaining completely tax-free for medical spending. This is why the HSA is often described as the best retirement account available.
Health insurance premiums are generally not qualified expenses, which surprises people. IRS Publication 969 carves out only a few exceptions: COBRA continuation coverage, premiums paid while receiving unemployment compensation, qualified long-term care insurance (subject to age-based limits), and Medicare premiums once you are 65 or older. Ordinary employer or marketplace premiums do not qualify.
Over-contributing triggers a 6% excise tax for each year the excess remains in the account. To avoid it, withdraw the excess plus any earnings on it before your tax filing deadline. The calculator flags an excess automatically when your contributions exceed your limit.
Take-home pay after federal, state & FICA taxes.
See your 2026 marginal and effective tax rates with bracket breakdown.
Plan early retirement.
How much to invest now, then stop — and let compounding finish the job.
Project portfolio growth.
Tax cost of converting to Roth and long-term value comparison.