HSA Contribution Limit Calculator 2026: guide
HSAs are one of the best tax-advantaged accounts available, but the limits depend on coverage type, age, and how many months you are eligible.
HSA limits depend on coverage
The IRS sets different annual contribution limits for self-only coverage vs family coverage.
Your coverage type is based on your HSA-eligible high-deductible health plan (HDHP).
Catch-up contributions (55+)
If you are age 55 or older, you can contribute an extra catch-up amount.
This catch-up is per person, so spouses can sometimes each contribute catch-up to their own HSA.
Prorating by months eligible
If you were only eligible for part of the year, your max contribution is often prorated.
There is also a special rule called the last-month rule, which can allow a full-year contribution if you remain eligible through the testing period.
Employer contributions count
Employer contributions are included in the annual limit.
This is a common mistake: people max their own contributions without subtracting what the employer already added.
Try the calculator
Use our HSA contribution limit calculator to estimate your 2026 max and remaining room.