HSA Contribution Calculator 2026: Limit, Partial Year and Tax Saved
Work out your 2026 HSA limit for self-only or family coverage, a partial year or age 55+, what's left after your employer's contribution and the tax it saves
By the Monthly Income Booster editorial team · Updated · How we research and fact-check
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HSA Contribution Calculator 2026: Limit, Partial Year and Tax Saved
Printed 2026-10-27 from billorganizingapp.com/income/calculators/hsa-contribution/ — an estimate for planning, not financial or tax advice.
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Pick your high-deductible health plan (HDHP) coverage, your age, how many months of 2026 you're eligible and what your employer puts in. The calculator applies the 2026 limits — $4,400 self-only, $8,750 family, plus $1,000 at 55 or older — prorates them for a partial year, subtracts your employer's contribution and estimates the tax you save on the rest.
2026 HSA limits
IRS Revenue Procedure 2025-19 sets the 2026 limits at $4,400 for self-only HDHP coverage and $8,750 for family coverage. IRS Publication 969 adds $1,000 if you are 55 or older at the end of the year (this amount is set by law and isn't inflation-adjusted). The limit covers everything paid into your HSA — yours, your employer's (including through a cafeteria plan) and anyone else's. Once you enrol in Medicare your limit is zero from that month.
Partial year and the last-month rule
If you're not eligible all year, your limit is 1/12 of the annual figure for each month you're eligible on the first day of the month. Self-only coverage from June 1 is 7 months: $4,400 × 7 ÷ 12 = $2,566.67. Under the last-month rule, if you're eligible on December 1 you can contribute the full-year amount — but you must then stay eligible through the following December (the testing period), or the extra becomes taxable and a 10% additional tax applies.
| Coverage | 12 months | 6 months |
|---|---|---|
| Self-only, under 55 | $4,400 | $2,200 |
| Self-only, 55 or older | $5,400 | $2,700 |
| Family, under 55 | $8,750 | $4,375 |
| Family, 55 or older | $9,750 | $4,875 |
How much tax it saves
HSA contributions are deductible (or excluded from pay when made through your employer), so the saving is the contribution times your income-tax rate. Contributions through a cafeteria plan also skip Social Security and Medicare tax, another 7.65%. With self-only coverage, a $500 employer contribution and a 22% rate, you can still add $3,900; through payroll that saves about $1,156. A few states do not follow the federal HSA rules, so check yours before adding a state rate.
Official sources
Tax rules, limits and pay data change. Check the current figures with the primary source before acting on them.
Frequently Asked Questions
What is the HSA contribution limit for 2026?+
$4,400 for self-only HDHP coverage and $8,750 for family coverage (IRS Rev. Proc. 2025-19), plus $1,000 if you are 55 or older by the end of 2026.
Does my employer's HSA contribution count toward the limit?+
Yes. Employer contributions, including those through a cafeteria plan, reduce what you can put in (IRS Publication 969). With a $500 employer contribution on self-only coverage you can add $3,900 yourself.
How do I calculate a partial-year HSA contribution?+
Multiply the annual limit by the months you were eligible on the first of the month and divide by 12. Seven months of self-only coverage: $4,400 × 7 ÷ 12 = $2,566.67. If you are eligible on December 1, the last-month rule lets you contribute the full year, as long as you stay eligible through the next year.
Can both spouses make the $1,000 catch-up?+
Yes, if both are 55 or older and eligible, but each catch-up must go into that spouse's own HSA. Spouses with family coverage share the family limit (IRS Publication 969).
How much tax does an HSA save?+
Your contribution times your income-tax rate, plus 7.65% for Social Security and Medicare if you contribute through payroll. $3,900 at 22% through payroll saves about $1,156.
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