2026 Limits
HSA Contribution Limits Calculator
Find your maximum HSA contribution for 2026. Includes catch-up contributions for those 55+ and adjustments for employer contributions.
Your Situation
Enter your details to calculate your limits
Family coverage includes spouse and/or dependents
If you turn 55+ during 2026, you qualify for catch-up contributions
$
This counts toward your annual limit
Your 2026 HSA Limit
$4,400
Base limit (Self-Only)$4,400
You Can Contribute
$4,400
After your employer's $0 contribution
Monthly Contribution
$367/month
To max out your HSA by year-end
2026 HSA Limits at a Glance
| Coverage | Base Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $4,400 | $5,400 |
| Family | $8,750 | $9,750 |
* 2026 limits are projected. Official IRS announcement expected mid-2025.
Key Rules for HSA Contributions
- Employer contributions count toward your limit. If your employer contributes $1,000 and your limit is $4,400, you can only add $3,400.
- Catch-up contributions are per person. If both spouses are 55+, each can add $1,000 to their own HSA.
- Mid-year coverage changes? Your limit is pro-rated, but you can use the last-month rule to contribute the full amount.
Historical Limits (2020-2026)
See how HSA limits have changed over time
View All YearsTax Savings Calculator
See how much you'll save in taxes with HSA contributions
Calculate SavingsLooking for historical data? See the complete HSA contribution limits history from 2004-2026.
Track every expense to maximize your HSA
Knowing your limits is step one. Tracking what you spend is how you maximize your tax-free reimbursements.
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