HSA contribution headroom, 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.
Effective 2026-01-01Source: Rev. Proc. 2025-19 (IRS)Verified 2026-08-28
How it is worked out
The published amount less the amount you enter, rounded to the nearest cent. Where what you enter is the larger of the two, the answer is nothing rather than a negative amount.
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 | $4,400 | $8,750 |
| 1,000 | $3,400 | $7,750 |
| 3,000 | $1,400 | $5,750 |
| 5,000 | $0 | $3,750 |
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.
Every 2026 HSA Contribution Limit figure · HSA Contribution Limit in every year · Every calculator on this site