HSA Contribution Calculator United States

Use this HSA contribution calculator to find your maximum contribution, including the age 55 catch-up, and the income and payroll tax you save.

Coverage type

Your age years

Planned contribution US$

Marginal tax rate %

Advanced options

Employer contribution US$

Pay periods per year

Expected annual return %

Years invested years

Maximum contribution —

Income tax savings —

FICA savings —

Total tax savings —

Remaining contribution room —

Net contribution cost —

Contribution per pay period —

Projected value at retirement —

HDHP minimum deductible for this coverage —

HDHP out-of-pocket maximum for this coverage —

We always strive to use the latest data for every variable so our results and reports are as accurate as possible. Even so, errors are possible — you should not rely on this tool or its report alone, and we accept no liability for any decision made based on it.

What it does

The HSA Calculator shows your maximum Health Savings Account contribution and the income and payroll (FICA) tax savings from contributing.

Data sources & parameters

The figures below drive this calculator. We keep them aligned with the latest official guidance, and each result recalculates automatically whenever a value changes.

Parameter	Value	Source	Last updated
HSA self-only limit	4,400	irs.gov	Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged.
HSA family limit	8,750	irs.gov	Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged.
HSA 55+ catch-up	1,000	irs.gov	Effective 2026-01-01
HSA catch-up age	55	irs.gov	Effective 2026-01-01
FICA rate	0.0765	irs.gov	Effective 2026-01-01Made open-ended (was valid to 2026-12-31): 7.65% (6.2% OASDI + 1.45% HI) is fixed by statute (IRC 3101/3111); unchanged for 2027. audit 2026-09-23
HDHP minimum annual deductible, self-only coverage	1,700	irs.gov	Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged.
HDHP minimum annual deductible, family coverage	3,400	irs.gov	Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged.
HDHP out-of-pocket maximum, self-only coverage	8,500	irs.gov	Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged.
HDHP out-of-pocket maximum, family coverage	17,000	irs.gov	Effective 2026-01-01Fix 2026-10-24: the row went live with country_code AU, so Resolver never saw it and the key fell back to the tool.json default. Value unchanged.

The formula

Tax saving = contribution × marginal rate; FICA saving = contribution × FICA rate

How it works

The maximum is the IRS limit for your coverage type plus a catch-up if you are 55 or older. Tax savings are your contribution times your marginal rate; FICA savings apply to payroll contributions.

Where it is used

Maximising HSA contributions
Seeing the triple tax advantage
Comparing self-only vs family coverage

Worked example

With family coverage at 55, the maximum contribution is …; contributing that saves … in income tax and … in FICA.

What the HSA contribution calculator does

The HSA contribution calculator shows how much you are allowed to put into a Health Savings Account and how much tax that saves. Choose your coverage type and whether you qualify for the age 55 catch-up, and it returns your maximum contribution with estimated income tax and payroll tax savings in dollars.

Your maximum contribution

Self-only coverage has one limit and family coverage a higher one, and from age 55 you can add a catch-up amount. The calculator combines these into the maximum for your situation. Contributing up to it captures the full tax benefit, and staying within it avoids the penalty for over-contributing.

How the tax savings add up

Income tax saving: your contribution times your marginal tax rate, since the amount you contribute is not taxed as income.
Payroll (FICA) saving: contributions through your employer’s payroll also avoid FICA, which contributions you make on your own do not.

Because of the FICA saving, contributing through payroll saves more than contributing yourself.

The triple tax advantage

An HSA can be tax-favored at three points: contributions go in pre-tax, the balance grows without tax, and qualified withdrawals for eligible medical costs come out tax-free. Few accounts offer all three. The calculator covers the first, the upfront saving you see on your paycheck or tax bill.

Self-only versus family coverage

Family coverage has a higher contribution limit, so households that qualify can contribute and save more. If your coverage is changing, for example because your household is growing or your plan is switching, compare the two limits to set your target for the year. Confirm which coverage type applies before contributing to the higher limit, since it follows specific rules, not just the number of people on the plan.

Spreading contributions over the year

Many people contribute a portion each pay period. Through payroll, that captures the FICA saving on every contribution. Divide the annual maximum by your remaining pay periods for a per-paycheck amount, which also keeps you within the limit without adjustments at year end.

Things to keep in mind

The limits, catch-up amount and eligibility rules are set by the IRS and change over time. You generally need qualifying high-deductible coverage and no conflicting coverage, and the calculator assumes you are eligible. Tax savings depend on your marginal rate and how you contribute, and the estimate cannot capture other deductions or state tax treatment, which varies. Over-contributing is penalized, and a partial year of eligibility has its own tests, so confirm exact figures with IRS guidance or a tax professional.

This is general information to help you plan and compare, not financial advice.

About This HSA Contribution Calculator

Use this HSA contribution calculator to get an instant, accurate estimate. The figures follow official IRS guidance and every rate and threshold is kept up to date for 2026. Adjust the inputs above to match your situation, or browse all our calculators to plan your next step.

Tax year 2026

Frequently asked questions

What does the HSA contribution calculator show?

It shows your maximum Health Savings Account contribution for your coverage type, including the catch-up amount if you are 55 or older, and estimates the income tax and payroll (FICA) tax you save by contributing.

Who can contribute to an HSA?

Generally you must be covered by a qualifying high-deductible health plan and not enrolled in conflicting coverage. The eligibility rules have specific conditions, so confirm you qualify before contributing.

What is the catch-up contribution?

If you are 55 or older you can add a catch-up amount on top of the standard limit for your coverage type. The calculator includes it when you indicate your age.

How do the tax savings work?

Contributions reduce your taxable income, so your income tax saving is the contribution times your marginal rate. Contributions through payroll also avoid FICA, which the calculator estimates separately.

Is my data kept private?

Yes. The calculation runs entirely in your browser. Nothing you enter is uploaded, stored or shared.

About the author

Written and reviewed by

Taha Kheirandish

Economics student and independent researcher

Taha Kheirandish reads tax codes the way other people read maps — to find out where a system actually leads, not where it claims to go.

He is an economics student, and his work here is comparative by design. A pension deferral bonus in Quebec, a commuting allowance in Germany, a rent-increase ceiling in the Netherlands: each is a decision a government made about how money should move, and each reads differently once you set it beside eight others. He builds and checks these calculators across nine markets from primary sources — the regulation rather than a summary of it, the ministry’s own circular rather than a news item quoting it.

That is the editorial standard of the site as well as his habit. Every rate, threshold and bracket here carries the document it was read from and the date it takes effect, and gets re-checked when the law moves rather than when someone happens to notice.

He is a researcher, not a licensed adviser, and nothing on this site is personal financial advice. It is arithmetic done carefully with its sources shown — so that you can check it, and take it to someone who is.

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