What is the HSA contribution limit for 2026?

In 2026, the HSA contribution limit is $4,400 for individuals and $8,750 for families. An additional $1,000 catch-up is allowed if you're 55 or older.

Who is eligible to contribute to an HSA?

You must be enrolled in a high-deductible health plan (HDHP) and not enrolled in Medicare or claimed as a dependent.

HSA Calculator 2026 – Maximize Your Health Savings

This calculator shows the triple tax advantage of a Health Savings Account (HSA): pre-tax contributions, tax-free growth, and tax-free qualified medical withdrawals. Updated June 2026.

2026 HSA Contribution Estimator

Why Open an HSA?

HSAs offer tax-free savings for healthcare expenses. Contributions reduce taxable income, and funds can be used for medical, dental, vision, and more. Plus, unused funds roll over yearly and can even be invested.

How to Use the Calculator

Choose whether you have individual or family coverage, and whether you're age 55 or older. The calculator will show your 2026 contribution limit including any catch-up amounts.

Example: Family Plan in 2026

If you have family coverage and are 58 years old, your 2026 HSA contribution limit would be $9,750 ($8,750 base + $1,000 catch-up). That’s tax-free savings you can use for qualified expenses now or in retirement.

FAQ

Can both spouses contribute? Yes, but each must have their own HSA to contribute catch-up amounts.
Is an HSA better than an FSA? HSAs roll over and grow tax-free, while FSAs usually expire annually.
Is this calculator accurate? Yes, it uses the official IRS 2026 limits.