HSA Contribution Limit Calculator (2026)
Your 2026 limit is $4,400 for self-only coverage or $8,750 for family coverage, plus $1,000 at age 55. Enter your own months of coverage, employer money and Medicare date to get your exact number.
Your 2026 HDHP coverage
Pick the coverage you have on the first day of each month. Add a second period if you changed plans.
Tax-savings assumptions
Your 2026 HSA limit
Contributing $4,400 at a combined 31.6% rate saves about $1,393 in tax this year.
2026 HSA numbers from the IRS
The limit most people want is the first row. The rest decide whether your health plan counts as a high deductible plan at all.
| 2026 figure | Self-only | Family |
|---|---|---|
| Maximum HSA contribution | $4,400 | $8,750 |
| Catch-up at 55 or older | $1,000 | $1,000 each spouse |
| Minimum HDHP deductible | $1,700 | $3,400 |
| Maximum out-of-pocket | $8,500 | $17,000 |
Source: IRS Rev. Proc. 2025-19, read 2026-10-14.
How the calculator gets your number
- It counts each month where you have HDHP coverage on the 1st and are not yet on Medicare, and gives that month one twelfth of the self-only or family limit.
- If you are 55 or older by December 31, each eligible month also gets one twelfth of the $1,000 catch-up.
- If you have HDHP coverage on December 1, it compares that prorated total with the full-year limit for your December coverage type and uses the larger one, as Publication 969 describes. That is the last-month rule.
- It subtracts your employer's contributions to show the room you have left, and flags any planned amount over the line.
What it does not do: it does not decide whether you are eligible in the first place (a general-purpose FSA, Medicare or being someone's dependent can all rule you out), and it does not split a family limit between two spouses who each have an HSA. For eligibility, use the HSA vs FSA eligibility checker once it is live, or read Publication 969.
If your employer funds part of your HSA, that money is a tax-free benefit like the ones in our dependent care FSA comparison and commuter benefits calculator. Add them up before you decide how much of your own pay to redirect.
Sources and date checked
Every number and rule on this page comes from the pages below, read on October 14, 2026. If a source changes, this page can be out of date until it is rechecked.
- Rev. Proc. 2025-19 (2026 HSA inflation adjustments)
The 2026 annual limits ($4,400 self-only, $8,750 family) and the HDHP deductible and out-of-pocket numbers.
- IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans (for 2025 returns, shows 2026 limits)
Proration by month, the last-month rule and testing period, the $1,000 catch-up, the Medicare rule, employer contributions, married-couple rules, and the 6% excess tax.
- IRS Publication 15-B (2026), Employer's Tax Guide to Fringe Benefits
Employer HSA contributions are excluded from wages up to the contribution limits.
- IRS Publication 15 (2026), Employer's Tax Guide
2026 Social Security (6.2%, wage base $184,500) and Medicare (1.45%) rates behind the payroll-tax savings option.
Not tax advice. This page is general information built from IRS publications, not advice for your situation. Plan rules, state law and your own facts can change the answer. Confirm with your plan administrator or a tax professional before you act.
Frequently asked questions
What is the HSA contribution limit for 2026?
$4,400 for self-only HDHP coverage and $8,750 for family HDHP coverage, set by IRS Rev. Proc. 2025-19. People who are 55 or older by the end of the year can add $1,000. The limit covers everything going in: your contributions, your employer's, and anyone else's.
Do employer contributions count toward my HSA limit?
Yes. IRS Publication 969 says you must reduce the amount you or anyone else can contribute by the employer contributions that are excluded from your income, including amounts the employer puts in through a cafeteria plan. If your employer adds $1,000, the room left for you drops by $1,000.
What if I only had a high deductible plan for part of the year?
Your limit is normally prorated by month, based on the coverage you had on the first day of each month. There is one exception: if you have HDHP coverage on December 1, the last-month rule lets you contribute the full-year amount for that coverage type, as long as you stay eligible through the testing period that ends December 31 of the next year. Fail the test and the extra amount becomes taxable income with a 10% additional tax.
How does the catch-up contribution work for a married couple?
Each spouse who is 55 or older and not on Medicare gets the $1,000 catch-up, and each must put it in their own HSA because there are no joint HSAs. With family coverage both spouses are treated as having family coverage, and if both are 55 or older the combined contributions can reach $10,750 for 2026. This calculator covers one person's limit; if you and your spouse each have family coverage under separate plans, the family limit is split equally between you unless you agree on a different split.
What happens if I contribute too much?
Excess contributions draw a 6% excise tax for each year the excess stays in the account (Publication 969). You can avoid it by withdrawing the excess and any earnings on it before the filing deadline. Ask your HSA custodian for their excess-removal form.
Does Medicare change my limit?
Yes. From the first month you are enrolled in Medicare your contribution limit is zero, including when enrollment is backdated. The calculator prorates your limit through the month before Medicare starts.
Related tools and guides
- FSA calculatorHow much to elect, what it saves, and when the money expires.
- Dependent care FSA vs tax creditAnother pre-tax account, with its own 2026 limit.
- Commuter benefits calculatorTransit and parking are pre-tax up to $340 a month in 2026.
- Tuition reimbursement guideThe other big tax-free employer benefit.