HSA Calculator
Check your 2026 HSA contribution against the limit, estimate the tax saved and project the invested balance.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Plan the year's contribution
Your projection
$900 of room left
2026 limit
$4,400
Tax saved this year
$1,010
Invested for 20 years
$134,762
2026 limits: $4,400 self-only, $8,750 family, plus $1,000 from age 55. The limit counts employer money. Payroll contributions also skip the 7.65% FICA tax, and a few states, including California and New Jersey, tax HSA contributions.
About this tool
Method, assumptions, practical next steps, and limits.
A tax break on the way in, the way up and the way out
HSA contributions are deductible, growth is untaxed, and withdrawals for qualified medical costs are tax-free. You need a qualifying high-deductible health plan to contribute.
How the calculation works
The 2026 limit is $4,400 for self-only coverage and $8,750 for family coverage, plus $1,000 from age 55, and it includes employer contributions. Payroll contributions also skip the 7.65% Social Security and Medicare tax.
With self-only coverage, $3,000 of your own contributions and $500 from your employer, $900 of room is left. At a 22% federal bracket and a 4% state rate, the tax saved this year is about $1,010. $3,500 a year invested at 6% for 20 years grows to about $134,800.
Things to know
California and New Jersey tax HSA contributions at the state level. Keep receipts: you can reimburse yourself for qualified costs years later. After 65, non-medical withdrawals are taxed as income but not penalized.
