How much can you contribute to your HSA?
Estimate your 2026 contribution room from your coverage, eligible months, age, and employer contributions.
Family coverage includes spouse and/or dependents
If you turn 55+ during 2026, you qualify for catch-up contributions
Use the number of full months you were HSA-eligible. The last-month rule and testing period are not modeled.
This counts toward your annual limit
$4,400
$4,400
You can contribute $4,400after employer contributions.
After your employer's $0 contribution
$366.67/eligible month
To max out your HSA during the modeled eligibility period
2026 HSA limits at a glance
| Coverage | Base Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $4,400 | $5,400 |
| Family | $8,750 | $9,750 |
Source: IRS Rev. Proc. 2025-19. Reviewed 2026-07-29.
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? A monthly limit generally applies. A last-month rule may change the result but has a testing period, so verify it before contributing.
Historical Limits (2020-2026)
See how HSA limits have changed over time
View All YearsHSA ROI Calculator
Model contribution room, tax assumptions, timing, and proof-ready records
Build a ScenarioLooking 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.
Start your shoebox free