HSA Contribution Calculator 2026-2027

1. Pick the tax year (2026 or 2027) and your HDHP coverage type, self-only or family.
2. Set your age. Choose 55 or older to add the $1,000 catch-up.
3. Choose how many months you had HDHP coverage, and whether to use the last-month rule for a partial year.
4. Enter the employer contribution, your contributions so far, and the remaining pay periods. Read the room left and the per-paycheck target.

A Health Savings Account (HSA) lets you set aside pre-tax money for medical costs when you are covered by a qualifying high-deductible health plan (HDHP). Each year the IRS sets the most you can put in. That cap is the contribution limit, and it depends on whether your HDHP covers just you or your family.

For 2026, under IRS Revenue Procedure 2025-19, the limit is $4,400 for self-only coverage and $8,750 for family coverage. For 2027, under Revenue Procedure 2026-24, it rises to $4,500 and $9,000. If you are age 55 or older by year-end you can add a $1,000 catch-up on top, a flat statutory amount that does not change with inflation.

The limit counts all money that goes in: your payroll deferrals, anything you add yourself, and your employer's contribution. Starting in 2026, a change in the One Big Beautiful Bill Act (OBBBA) also makes bronze and catastrophic Marketplace plans HSA-eligible, so more people can open an account. An HSA is not the same as an FSA; see HSA vs FSA, which should you use for the differences.

The tool starts from the IRS annual limit for your year and coverage, adds the catch-up if you qualify, adjusts for a partial year, and then subtracts what has already gone in.

1. Base limit. Look up the amount for your year and coverage: for 2026, $4,400 self-only or $8,750 family.
2. Catch-up. Add $1,000 if you are 55 or older by December 31.
3. Partial year. If you were not covered all 12 months, multiply by months / 12, unless you use the last-month rule, which allows the full amount.
4. Subtract. Take away the employer contribution and anything you have added to get the room left.
5. Per paycheck. Divide the room by the pay periods you have left for a payroll target.

Every HSA must be owned by one person, so a married couple cannot pool a single account. If both spouses are 55 or older, each $1,000 catch-up has to go into that spouse's own HSA. Keeping a cushion in a separate emergency fund means you are less likely to raid the HSA for non-medical costs.

Every number below was computed in code from the rules above and matches the worked examples in the verified data.

The third case is the one that trips people up. Six months of coverage prorates the family limit to $4,375, but if you are eligible on December 1 the last-month rule lets you contribute the full $8,750 instead, as long as you stay eligible through the following year.

To contribute to an HSA you must be covered by a qualifying HDHP, which the IRS defines by a minimum deductible and a maximum out-of-pocket amount. These are the baked, year-labeled figures this tool uses.

The 2026 out-of-pocket maximums are $8,500 self-only and $17,000 family. The 2027 out-of-pocket maximums are not shown here, so confirm them in Revenue Procedure 2026-24 before relying on them. If you are unsure how a deductible and out-of-pocket maximum fit together, see how insurance deductibles work.

If you are age 55 or older by the end of the tax year, you can add a $1,000 catch-up on top of the normal limit. Unlike the base limits, this $1,000 is set in statute under Internal Revenue Code section 223(b)(3) and is not indexed for inflation, so it has stayed at $1,000 for years.

Each Spouse Needs Their Own HSA

The catch-up is tied to the accountholder, not the plan. If you and your spouse are both 55 or older and covered by a family HDHP, you can each add a $1,000 catch-up, but the second one must go into a separate HSA in the other spouse's name. You cannot put both catch-ups in one account.

The Year You Turn 55

You can make the full catch-up for the year you turn 55, even if your birthday is in December, as long as you are HSA-eligible.

If you were not covered by an HDHP for all 12 months, there are two ways to figure your limit, and they can give very different answers.

The Proration Method

Under the general rule, your limit is the sum of the monthly limits for the months you were eligible, measured on the first day of each month. In practice that is the annual limit times months divided by 12. Six months of family coverage in 2026 gives 6 / 12 x $8,750, or $4,375.

The Last-Month Rule

If you are HSA-eligible on December 1, the last-month rule lets you contribute the full annual limit for that year, even if you were covered for only part of it. The catch is the testing period: you must stay HSA-eligible through the end of the following year.

The Testing-Period Catch

If you fail the testing period, for example by dropping HDHP coverage or going on Medicare, the extra amount you contributed above the prorated limit becomes taxable income and is hit with an additional 10 percent tax. That is why the tool shows both numbers side by side, so you can see what you give up and what you risk.

Coverage Type

Family coverage roughly doubles the self-only limit. A change from self-only to family mid-year, such as a marriage or a new baby, can raise your limit for the months of family coverage.

Your Age

Turning 55 adds the $1,000 catch-up. Enrolling in Medicare, usually at 65, ends HSA eligibility, so you can no longer contribute, though you can still spend the balance.

Employer Contributions

Money your employer adds counts toward the same limit, so a generous employer match leaves you less room. Always subtract it before you set your own payroll amount.

Other Disqualifying Coverage

A general-purpose FSA, a spouse's non-HDHP plan that also covers you, or Medicare all make you ineligible for the months they apply. Your workplace retirement plan, by contrast, is separate and does not affect HSA eligibility.

At Open Enrollment

Use it when you pick next year's plan to see the limit for self-only versus family coverage and decide how much to route through payroll.

After a Mid-Year Change

If you start or stop HDHP coverage partway through the year, test both the prorated limit and the last-month rule before you decide how much to add.

Before the Tax-Filing Deadline

You can contribute for a tax year up to the April filing deadline. Use the tool to find any room left and top up before you file.

1. Forgetting the Employer Contribution

Employer money counts toward your limit. Leaving it out is the most common way people over-contribute.

2. Assuming a Full Year of Coverage

If you were eligible for only part of the year and do not use the last-month rule, your limit is prorated. Contributing the full amount creates an excess.

3. Ignoring the Testing Period

The last-month rule is not free. Dropping coverage the next year can make the extra contribution taxable plus a 10 percent penalty.

4. Putting Both Spouses' Catch-Ups in One Account

Each $1,000 catch-up must go in that spouse's own HSA.

5. Contributing After Starting Medicare

Medicare enrollment ends eligibility. Contributions for those months are not allowed.

6. Missing the Excess-Contribution Fix

An excess contribution left in the account is taxed 6 percent per year until you remove it. Withdraw it, with earnings, before the deadline.

The calculator reproduces the IRS limit arithmetic exactly for one accountholder. It does not replace Form 8889 or the Publication 969 rules.

For 2026 the IRS limit is $4,400 for self-only HDHP coverage and $8,750 for family coverage, under Revenue Procedure 2025-19. If you are 55 or older by year-end you can add a $1,000 catch-up on top.

For 2027 the limit rises to $4,500 for self-only coverage and $9,000 for family coverage, under Revenue Procedure 2026-24. The $1,000 age-55 catch-up still applies.

It is a flat $1,000 for accountholders age 55 or older by the end of the year. It is set in statute and is not indexed for inflation, so it stays at $1,000 for both 2026 and 2027.

Yes. Everything that goes into the account counts toward the same annual limit, including employer contributions and money from a cafeteria or Section 125 plan. Subtract them before deciding how much to add yourself.

If you are HSA-eligible on December 1, the last-month rule lets you contribute the full annual limit for that year even if you were covered for only part of it. You must then stay eligible through the end of the following year, called the testing period.

The amount you contributed above the prorated limit becomes taxable income for the year you fail, and it is hit with an additional 10 percent tax. That is the trade-off for using the last-month rule.

Multiply the annual limit by the number of months you were HDHP-eligible divided by 12, counting eligibility on the first day of each month. Six months of 2026 family coverage gives 6 / 12 x $8,750, or $4,375.

No. Each HSA is owned by one person. If you both have family HDHP coverage you can split the family limit, but if you are both 55 or older each $1,000 catch-up must go into that spouse's own account.

Starting in 2026, a change in the One Big Beautiful Bill Act makes bronze and catastrophic Marketplace plans HSA-eligible, so more enrollees can open and fund an HSA. Confirm your specific plan still meets the HDHP rules.

You can contribute for a tax year up to the federal tax-filing deadline the following April, not just by December 31. Contributions made by the deadline and designated for the prior year count against that year's limit.

No. The calculation runs entirely in your browser and nothing is sent to our servers. Anything you choose to Save stays in this browser only.

• Rev. Proc. 2025-19 (2026 HSA and HDHP inflation-adjusted amounts) (IRS, 2026 limits: $4,400 / $8,750, read 2026-10-06).
• Rev. Proc. 2026-24 (2027 HSA and HDHP inflation-adjusted amounts) (IRS, 2027 limits: $4,500 / $9,000, read 2026-10-06).
• Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans (IRS, proration and last-month rule, read 2026-10-06).
• Form 8889 and Instructions, Health Savings Accounts (HSAs) (IRS, contribution and testing-period reporting, read 2026-10-06).
• Internal Revenue Code section 223(b)(3), additional catch-up for individuals 55 or older (Cornell Law, statutory $1,000 catch-up, read 2026-10-06).