HSA contribution planner, 2026
This works out one number from the HSA Contribution Limit figures published for 2026. Every amount it uses is below, with the document it was read from. What you enter is your own: this site has no way to check it, and the answer it produces is not a published figure.
This calculates
The HSA contribution room left after the contributions and catch-up choice you enter.
You provide
- Your coverage
- Contributed so far this year
- Eligible for the catch-up
It does not include
- HSA eligibility, employer contributions, account administration, tax filing, or tax advice.
Effective 2026-01-01Source: Rev. Proc. 2025-19 (IRS)Verified 2026-09-03
Catch-up limit, age 55 and overSource: Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans (IRS)Verified 2026-09-03
How it is worked out
The published base limit, plus the published catch-up amount if you are eligible for it, less what you enter as contributed so far. Both published amounts are exact, so only your own figure is rounded, to the nearest cent. Where you have already contributed more than the limit allows, the answer is nothing rather than a negative amount.
It uses Catch-up limit, age 55 and over, +$1,000, published above.
Your coverage, from the 2 this year publishes: Self-only ($4,400), Family ($8,750). The calculator uses the one you pick and says which.
Figures in this colour are computed from the amounts above. They are not published figures and no document states them.
Work it out
The live calculator needs JavaScript. The table below covers common amounts and is computed the same way.
Worked out for common amounts
| Contributed so far this year | Self-only | Family |
|---|---|---|
| 0 | $5,400 | $9,750 |
| 1,000 | $4,400 | $8,750 |
| 3,000 | $2,400 | $6,750 |
| 5,000 | $400 | $4,750 |
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
Rev. Proc. 2025-19 (IRS)
- Self-only
For calendar year 2026, the annual limitation on deductions under § 223(b)(2)(A) for an individual with self-only coverage under a high deductible health plan is $4,400.
- Family
For calendar year 2026, the annual limitation on deductions under § 223(b)(2)(B) for an individual with family coverage under a high deductible health plan is $8,750.
Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans (IRS)
- Catch-up limit, age 55 and over
Additional contribution. If you are an eligible individual who is age 55 or older at the end of your tax year, your contribution limit is increased by $1,000.
Every 2026 HSA Contribution Limit figure · HSA Contribution Limit in every year · Every calculator on this site