FINANCIAL · HSA CONTRIBUTION

HSA Contribution Calculator

Calculate your 2026 HSA contribution limit and project your future balance — enter your coverage type, age, and months enrolled in an HDHP.

Coverage & Eligibility

Age 55+ adds a $1,000 catch-up contribution.

Months enrolled in an HDHP this year (1–12).

Balance Projection

Your existing HSA balance (rolls over each year).

Expected annual return if investing your HSA balance.

02 Your 2026 HSA Contribution
Maximum contribution this year
$4,300.00
2026 base limit$4,300.00
03 20-Year Balance Projection
Projected balance
$142,183.60
at 5.0% annual return
Current balance$0.00
Total contributions$86,000.00
Interest/growth$56,183.60

2026 HSA limits from IRS Rev. Proc. 2025-19. HSA funds roll over each year — this is not an FSA (which has use-it-or-lose-it rules). Projection assumes contributions at the end of each year (ordinary annuity). For informational purposes only; not tax advice. Consult a tax professional.

About This Calculator

Find your 2026 HSA contribution limit based on your HDHP coverage type and age, and see how your balance could grow if you invest your contributions. Includes the $1,000 catch-up for savers age 55 and older and pro-rating for partial-year eligibility.

How It Works

Select your HDHP coverage type (self-only or family), enter your age, and specify how many months you were enrolled in a qualifying High Deductible Health Plan. The calculator applies the 2026 IRS limits from IRS Rev. Proc. 2025-19 and pro-rates the limit by months enrolled. For the balance projection, enter your current HSA balance, an expected annual return, and a projection period — the calculator uses a standard future-value-of-annuity formula.

The Formula

Limit = (BaseSelfOrFamily + CatchUp) × MonthsEligible / 12 FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / r

PV
Current HSA balance (present value)
PMT
Annual HSA contribution (the pro-rated limit)
r
Annual investment return rate
n
Projection years
CatchUp
$1,000 additional contribution for account holders age 55+

Frequently Asked Questions

What is the 2026 HSA contribution limit?
The 2026 HSA contribution limits are $4,300 for self-only HDHP coverage and $8,550 for family coverage (source — IRS Rev. Proc. 2025-19). If you are 55 or older, you can contribute an additional $1,000 catch-up contribution, for totals of $5,300 (self-only) or $9,550 (family).
What is the difference between an HSA and an FSA?
An HSA (Health Savings Account) rolls over indefinitely — unused funds stay in your account year after year and can be invested. An FSA (Flexible Spending Account) has a "use-it-or-lose-it" rule; most FSA funds must be spent by year-end (with a limited rollover allowed). This calculator covers HSA only.
Do I qualify for an HSA?
To contribute to an HSA, you must be enrolled in a High Deductible Health Plan (HDHP), not enrolled in Medicare, and not claimed as a dependent on someone else's tax return. For 2026, a qualifying HDHP must have a minimum deductible of $1,650 (self-only) or $3,300 (family).
Can I invest my HSA balance?
Yes. Most HSA custodians allow you to invest your balance in mutual funds or ETFs once your cash balance exceeds a threshold. Investments grow tax-free, and qualified withdrawals for medical expenses are tax-free — making an HSA one of the most tax-efficient accounts available when used for healthcare costs.
What happens if I contribute more than the HSA limit?
Excess HSA contributions are subject to a 6% excise tax for each year they remain in the account. You can withdraw excess contributions (plus earnings) before the tax filing deadline to avoid the penalty. Consult a tax professional if you think you may have over-contributed.