Work out your 2026 HSA limit for self-only or family coverage, a partial year or age 55+, what's left after your employer's contribution and the tax it saves
Pick your high-deductible health plan (HDHP) coverage, your age, how many months of 2026 you're eligible and what your employer puts in. The calculator applies the 2026 limits — $4,400 self-only, $8,750 family, plus $1,000 at 55 or older — prorates them for a partial year, subtracts your employer's contribution and estimates the tax you save on the rest.
IRS Revenue Procedure 2025-19 sets the 2026 limits at $4,400 for self-only HDHP coverage and $8,750 for family coverage. IRS Publication 969 adds $1,000 if you are 55 or older at the end of the year (this amount is set by law and isn't inflation-adjusted). The limit covers everything paid into your HSA — yours, your employer's (including through a cafeteria plan) and anyone else's. Once you enrol in Medicare your limit is zero from that month.
If you're not eligible all year, your limit is 1/12 of the annual figure for each month you're eligible on the first day of the month. Self-only coverage from June 1 is 7 months: $4,400 × 7 ÷ 12 = $2,566.67. Under the last-month rule, if you're eligible on December 1 you can contribute the full-year amount — but you must then stay eligible through the following December (the testing period), or the extra becomes taxable and a 10% additional tax applies.
| Coverage | 12 months | 6 months |
|---|---|---|
| Self-only, under 55 | $4,400 | $2,200 |
| Self-only, 55 or older | $5,400 | $2,700 |
| Family, under 55 | $8,750 | $4,375 |
| Family, 55 or older | $9,750 | $4,875 |
HSA contributions are deductible (or excluded from pay when made through your employer), so the saving is the contribution times your income-tax rate. Contributions through a cafeteria plan also skip Social Security and Medicare tax, another 7.65%. With self-only coverage, a $500 employer contribution and a 22% rate, you can still add $3,900; through payroll that saves about $1,156. A few states do not follow the federal HSA rules, so check yours before adding a state rate.
$4,400 for self-only HDHP coverage and $8,750 for family coverage (IRS Rev. Proc. 2025-19), plus $1,000 if you are 55 or older by the end of 2026.
Yes. Employer contributions, including those through a cafeteria plan, reduce what you can put in (IRS Publication 969). With a $500 employer contribution on self-only coverage you can add $3,900 yourself.
Multiply the annual limit by the months you were eligible on the first of the month and divide by 12. Seven months of self-only coverage: $4,400 × 7 ÷ 12 = $2,566.67. If you are eligible on December 1, the last-month rule lets you contribute the full year, as long as you stay eligible through the next year.
Yes, if both are 55 or older and eligible, but each catch-up must go into that spouse's own HSA. Spouses with family coverage share the family limit (IRS Publication 969).
Your contribution times your income-tax rate, plus 7.65% for Social Security and Medicare if you contribute through payroll. $3,900 at 22% through payroll saves about $1,156.
Tax rules, limits and pay data change. Check the current figures with the primary source before acting on them.