2026 HSA Contribution & Triple-Tax-Advantage Calculator
For 2026 the IRS lets you contribute up to $4,400 to a Health Savings Account with self-only HDHP coverage and $8,750 with family coverage, plus an extra $1,000 catch-up if you are 55 or older. Contributions are pre-tax, any growth is untaxed, and qualified medical withdrawals are tax-free — the so-called triple tax advantage. This calculator shows your remaining 2026 room, the income tax you save, and how the money could grow if invested. It is an estimate, not tax advice.
Source: IRS Rev. Proc. 2025-19. Data as of 2026-06-14.
How it works
Pick your coverage type and age, enter what you have already contributed, and the tool subtracts it from the 2026 limit to show your remaining room. The tax-saved figure multiplies your contribution by your marginal rate; the growth figure compounds a single year's contribution at your chosen return. Withdrawals are only tax-free when used for qualified medical expenses — confirm rules with the IRS and a tax professional.
Important: This tool is a general estimate for educational purposes only and is not medical, tax, insurance, or financial advice. Figures use the published 2026 limits but your situation may differ. Verify with the primary source and a qualified professional. See our full disclaimer and methodology.
Frequently asked questions
What is the 2026 HSA contribution limit?
For 2026 it is $4,400 for self-only HDHP coverage and $8,750 for family coverage, per IRS Rev. Proc. 2025-19. Account holders aged 55 or older can add a $1,000 catch-up contribution.
Do employer contributions count toward the limit?
Yes. Anything your employer puts into your HSA counts toward the same annual limit, so subtract employer contributions when working out how much more you can add yourself.
Is this calculator tax advice?
No. It is a free estimate based on the published 2026 limits and standard formulas. Eligibility rules (such as the last-month rule and HDHP coverage) can change the answer — confirm with the IRS or a qualified tax professional.
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Last updated: 2026-06-14