What is the 2026 HSA limit?

Rev. Proc. 2025-19: $4,400 self-only and $8,750 family. Age 55+ adds $1,000. Employer and employee share one bucket.

Yes. The statutory limit is multiplied by months you were HSA-eligible, unless you use the last-month rule and stay eligible through the next calendar year.

Can both spouses take a catch-up?

Each spouse 55+ needs their own HSA. Family HDHP coverage still shares the $8,750 base.

What HDHP numbers go with this?

2026 minimum deductible $1,700 / $3,400 and out-of-pocket max $8,500 / $17,000. This page does not certify your plan.

Runs in your browser · Last updated 7 September 2026

Free HSA Contribution Calculator 2026

Free HSA contribution calculator 2026. $4,400 self / $8,750 family, $1,000 catch-up, months or last-month rule. Browser tool — nothing is uploaded.

HDHP coverageAge at year-endMonths HSA-eligibleLast-month rule (stay eligible all next year)Employer contribution ($)Your contribution ($)

2026 (Rev. Proc. 2025-19): self-only $4,400, family $8,750, plus $1,000 if you are 55+. Combined employer + employee. HDHP minimum deductible $1,700 / $3,400; out-of-pocket max $8,500 / $17,000. Spouses 55+ need separate HSAs for two catch-ups.

2026 limit (prorated)

$4,400.00

Remaining room

$1,400.00

Excess

$0.00

Catch-up in limit

Combined so far

$3,000

Months used

How to use this tool

Pick self-only or family HDHP coverage and your age at year-end.
Enter months eligible (or check last-month rule), employer dollars, and your dollars.
Read remaining room or excess.

Worked example

Self-only, age 40, 12 months, $1,000 employer + $2,000 employee: the 2026 cap is $4,400, so $1,400 remains. Family + age 55 is $9,750. Six eligible months without last-month rule halves a self-only cap to $2,200. A use-it-or-lose-it health FSA (not an HSA) is on the 2026 FSA calculator.

Frequently asked questions

What is the 2026 HSA limit?: Rev. Proc. 2025-19: $4,400 self-only and $8,750 family. Age 55+ adds $1,000. Employer and employee share one bucket.
Do months matter?: Yes. The statutory limit is multiplied by months you were HSA-eligible, unless you use the last-month rule and stay eligible through the next calendar year.
Can both spouses take a catch-up?: Each spouse 55+ needs their own HSA. Family HDHP coverage still shares the $8,750 base.
What HDHP numbers go with this?: 2026 minimum deductible $1,700 / $3,400 and out-of-pocket max $8,500 / $17,000. This page does not certify your plan.
Uploaded?: No.