Your HSA limit, the income and payroll tax it saves, and its growth to retirement
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 29 Sept 2026.Choose the year and your coverage, enter your age, employer contribution and tax rates. The calculator gives the IRS limit, $4,400 self-only or $8,750 family for 2026 plus $1,000 from 55, what you can still put in, the income and payroll tax that saves, and what the account could grow to by retirement.
Rates and rules read from the sources listed on this page (the earliest on 29 Sept 2026); they may have changed since.
Pick the Tax year and Self-only or Family high-deductible plan coverage.
Enter your age on 31 December, the months covered and the employer contribution.
Enter Your contribution and your federal and state tax rates.
Read the Tax saved this year and the limit; the limits are from the IRS revenue procedures listed under Sources.
Set Balance today, Retirement age and Yearly return to see the balance at retirement, then press Share result.
A health savings account takes pre-tax money when you have a qualifying high-deductible health plan. Contributions are deducted from income, growth is not taxed, and withdrawals for qualified medical costs are tax-free, which is why many people treat an HSA as a retirement account for health care.
The limit for your year. For 2026 the IRS limit is $4,400 with self-only coverage and $8,750 with family coverage (Rev. Proc. 2025-19); for 2027 it is $4,500 and $9,000 (Rev. Proc. 2026-24). If you are 55 or older by the end of the year you can add $1,000. Employer contributions count toward the same limit, and months without HDHP coverage on the first day of the month reduce it by a twelfth each, unless the last-month rule applies. From the first month you are enrolled in Medicare the limit is zero.
The tax you save. Every dollar contributed skips federal income tax at your marginal rate and, in most states, state income tax. Contributions through your employer's payroll, a cafeteria plan, also skip Social Security tax of 6.2% (on wages up to $184,500 in 2026) and Medicare tax of 1.45%. Contributions you make yourself and deduct on Form 8889 do not get that 7.65%. Enter your own rates; if your state taxes HSA contributions, as California and New Jersey do, enter 0 for the state.
Growth to retirement. The projection adds this year's contribution, yours and your employer's, at the end of each year until your retirement age and grows the balance at the return you choose. The IRS raises the limits most years, so contributing the maximum every year would end higher than shown.
What this calculator does not do: check whether your plan qualifies as a high-deductible health plan, model the 0.9% Additional Medicare Tax, or tax withdrawals. Non-medical withdrawals before 65 cost income tax plus a 20% additional tax. An estimate, not tax advice.
For 2026 the limit is $4,400 with self-only high-deductible coverage and $8,750 with family coverage, set by IRS Rev. Proc. 2025-19. For 2027 the limits rise to $4,500 and $9,000. People aged 55 or older by 31 December can add a $1,000 catch-up contribution, which is fixed by law and not raised for inflation.
Yes. IRS Publication 969 says the amount you or anyone else can contribute is reduced by your employer's excludable contributions. With self-only coverage in 2026 and $500 from your employer, you can put in $3,900 yourself. Going over costs a 6% excise tax on the excess for each year it stays in the account.
Only when you contribute through payroll. Contributions taken from your pay under your employer's cafeteria plan skip Social Security tax of 6.2% and Medicare tax of 1.45%, as well as income tax. Money you deposit yourself and deduct on Form 8889 saves income tax but not those payroll taxes, so payroll is worth 7.65% more on each dollar.
If you are 55 or older at the end of the tax year, your limit rises by $1,000. Each spouse who is 55 or older can make a catch-up, but only into an HSA in their own name, so a couple both over 55 with family coverage needs two accounts to put in the full amount.
The limit is figured by month: one twelfth for each month you were eligible on the first day. Seven months of family coverage in 2026 allow $5,104.17. Under the last-month rule, if you are eligible on 1 December you can contribute the full year's amount, but you must stay eligible through the following year or pay tax on the difference.
Only until you enroll in Medicare. Publication 969 says your limit is zero from the first month you are enrolled in Medicare, even if you still have a high-deductible plan through work. After 65 you can spend the money on anything without the 20% additional tax, paying only income tax on non-medical withdrawals.
Rates and rules change; check the source before you rely on a figure.
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