HSA Contribution Limit Calculator (2026)
Compute your 2026 HSA contribution headroom: $4,400 individual / $8,750 family + $1,000 catch-up at 55+. Pro-rates partial-year HDHP coverage and applies the last-month rule.
FINANCECompute your 2026 HSA contribution headroom: $4,400 individual / $8,750 family + $1,000 catch-up at 55+. Pro-rates partial-year HDHP coverage and applies the last-month rule.
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
HSA Contribution Limit Calculator (2026)
2026 HSA limits: $4,400 individual / $8,750 family + $1,000 catch-up at 55+. Pro-rates partial-year HDHP coverage. Triple-tax-advantaged: deductible going in, tax-free growth, tax-free for qualified medical out.
Last-month rule: if HDHP-covered on Dec 1, you can contribute the full annual limit but must stay on HDHP through Dec 31 of the next year (testing period) or recapture + 10% penalty applies.