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HSA Calculator 2026
Free HSA calculator: the 2026 limits ($4,400 self-only, $8,750 family, +$1,000 at 55), room left after your employer's contribution, and the federal and FICA tax you save.
Your coverage
Tax you save this year
$1,305
| Your 2026 total limit | $4,400 |
| Room after your employer's part | $4,400 |
| You put in | $4,400 |
| Federal income tax saved | $968 |
| FICA saved | $337 |
2026 limits
| Self-only | $4,400 |
| Family | $8,750 |
| Catch-up at 55+ | $1,000 |
You need an HSA-eligible high-deductible health plan. The money is yours to keep and is tax-free for medical costs. California and New Jersey do tax HSAs at the state level.
Tax saving uses the standard deduction; state tax not included. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: IRS: Publication 969
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What are the HSA limits for 2026?+
$4,400 for self-only coverage and $8,750 for family coverage, plus $1,000 if you are 55 or older. Employer contributions count toward the limit.
Why contribute through payroll?+
Payroll contributions skip Social Security and Medicare tax (7.65%) as well as income tax.