HSA Contribution Limit Calculator 2026
Estimate your maximum and remaining HSA contribution room.
Updated for 2026Sources citedNo signup required
Key takeaways
- Your HSA limit depends on whether you have **self-only** or **family** HDHP coverage.
- If you’re age 55+, you may qualify for a catch-up contribution.
- If you’re only eligible for part of the year, limits can be prorated.
- Updated for **2026** HSA contribution limits (add official values).
Calculator
Results
Enter inputs and click calculate.
See step-by-step breakdown
We’ll show the math here after you calculate.
How this calculator works
Inputs we ask for
- Coverage type
- Age
- Months eligible (optional)
What we calculate
- Estimated max contribution for the year
- Catch-up amount if eligible
What this calculator does NOT do
- Verify HDHP eligibility
- Handle complex last-month rule testing periods
Assumptions + rounding
We compare inputs to annual limits and round to the nearest dollar.
How this calculator works
Uses 2026 annual HSA limits and optional age-55+ catch-up, then prorates by eligible months.
FAQ
Do employer contributions count toward the limit?
Yes — employer and employee contributions count toward the same annual limit.
What if I switch from family to self-only mid-year?
You may need to prorate or use IRS rules depending on coverage months.
What is the last-month rule?
It can allow a full-year contribution if you’re eligible on the first day of the last month — but it has conditions. Confirm before relying on it.
Can I contribute if I’m on Medicare?
Generally, Medicare enrollment can affect HSA eligibility. Confirm your situation.
Do I need an HSA-eligible plan?
Yes — typically you need HSA-eligible HDHP coverage to contribute.
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More resources
These pages explain the rules, assumptions, and constants used in the calculator.