HSA Calculator: 2026 & 2027 Limits and Tax Savings
Find out how much you can put in a health savings account and what it saves you in tax. Enter your coverage, age, wages, and state, and the calculator applies the 2026 or 2027 HSA limit, the age-55 catch-up, and any employer money, then shows the federal income tax, Social Security and Medicare, and state tax you avoid.
An HSA is the only account with a triple tax break: contributions are pre-tax, the money grows tax-free, and withdrawals for medical costs are never taxed. Invest the balance instead of spending it and it can work like a second retirement account, which the projection below shows.
Calculator
Tax you save this year
$1,156
On a $3,900 contribution, a 30% instant return
- 2026 limit (self-only)
- $4,400
- Minus employer contribution
- −$500
- Most you can put in
- $3,900
- Federal income tax saved
- $858
- Social Security + Medicare saved
- $298
- State income tax saved
- $0
- Real cost of your contribution
- $2,744
Projected HSA balance at 65 (25 years)
$254,098
HSA balance if you invest it
Estimate only, not tax advice. Limits are from IRS Rev. Proc. 2025-19. To contribute you need a high-deductible health plan (deductible of at least $1,700, out-of-pocket max no more than $8,500 for 2026) and no other disqualifying coverage such as Medicare. The limit assumes you’re eligible all 12 months. Tax savings use 2026 federal brackets with the standard deduction and ignore the 0.9% additional Medicare tax. The projection holds today’s contribution flat until 65.
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Calculation Formulas
Employer contributions, including through a cafeteria plan, count toward the same annual limit. The catch-up applies if you turn 55 by the end of the year.
Example:
Family coverage in 2027, age 56, $1,000 from your employer: $9,000 + $1,000 − $1,000 = $9,000 you can add.
The contribution comes off taxable income, so the saving is figured at your marginal bracket, or across two brackets if it straddles one.
Only contributions made through payroll skip Social Security and Medicare. Contributions you make on your own are deducted on Form 8889, but FICA was already withheld from that pay.
Example:
$4,400 through payroll: $4,400 × 7.65% = $337 of FICA saved, on top of income tax.
Key Figures
| Figure | Value | Description |
|---|---|---|
| 2026 limit | $4,400 self-only · $8,750 family | IRS Rev. Proc. 2025-19. |
| 2027 limit | $4,500 self-only · $9,000 family | IRS Rev. Proc. 2026-24. |
| Catch-up, age 55+ | $1,000 | Set by statute and not adjusted for inflation. |
| HDHP minimum deductible | 2026: $1,700 / $3,400 · 2027: $1,750 / $3,500 | Self-only / family. |
| HDHP out-of-pocket maximum | 2026: $8,500 / $17,000 · 2027: $8,700 / $17,400 | Self-only / family. |
Note: Results are estimates for planning purposes. Rates, fees, taxes, and insurance vary by lender and location — confirm exact figures with a licensed professional before making financial decisions.
Standards & Sources
Last verified: October 2026
- IRS Rev. Proc. 2025-19 and Rev. Proc. 2026-24
The 2026 and 2027 contribution limits and high-deductible health plan thresholds come straight from these two IRS revenue procedures.
- One Big Beautiful Bill Act (P.L. 119-21)
Starting in 2026, marketplace bronze and catastrophic plans count as HSA-eligible, telehealth before the deductible no longer disqualifies you, and direct primary care costing up to $150 a month ($300 for a family arrangement) is allowed alongside an HSA.
- State treatment
California and New Jersey tax HSA contributions and earnings, so the calculator gives no state saving there. Other states follow the federal treatment in this estimate.
How to Use This Calculator
- Pick the tax year and whether your high-deductible plan covers just you or your family.
- Enter your age and any amount your employer puts in, since it counts toward the same limit.
- Enter your wages, filing status, and state, and choose whether you contribute through payroll.
- Read your limit and tax savings, then adjust the return and yearly spending to see your balance at 65.
Frequently Asked Questions
What is the HSA contribution limit for 2026 and 2027?
For 2026 it is $4,400 with self-only coverage and $8,750 with family coverage (IRS Rev. Proc. 2025-19). For 2027 it rises to $4,500 and $9,000 (Rev. Proc. 2026-24). If you are 55 or older by year-end you can add a $1,000 catch-up. Employer contributions count toward these limits.
How much tax does an HSA contribution save?
Your federal bracket rate plus, if you contribute through payroll, 7.65% for Social Security and Medicare, plus your state rate in most states. A single filer earning $75,000 who puts $4,400 in through payroll saves about $1,300 in a state with no income tax and up to about $1,700 in a high-tax state, so the contribution really costs around $2,700 to $3,100.
Who is eligible to contribute to an HSA?
You need a high-deductible health plan: for 2026 a deductible of at least $1,700 (self-only) or $3,400 (family), with out-of-pocket costs capped at $8,500 or $17,000. You also can’t have other disqualifying coverage, such as Medicare, a general-purpose health FSA, or being claimed as someone’s dependent. Starting in 2026, marketplace bronze and catastrophic plans also qualify.
What is the deadline to contribute to an HSA?
You can contribute for a given year until the tax filing deadline the following spring, usually April 15. Payroll contributions have to happen during the year, but you can top up directly and deduct it on Form 8889.
What happens to HSA money I don’t spend?
It stays yours, rolls over every year, and moves with you if you change jobs, unlike most FSA money. You can invest it, and after 65 you can withdraw it for anything: medical costs remain tax-free and other withdrawals are taxed like a traditional IRA, with no penalty. Before 65, non-medical withdrawals owe income tax plus a 20% penalty.
Is an HSA better than an FSA?
Usually, if you qualify. An HSA has higher limits, never expires, can be invested, and stays with you when you leave a job. An FSA works with any health plan and gives you the full year’s election on day one, but most unused money is lost at year-end beyond a small carryover. You generally can’t have both, except for a limited-purpose FSA for dental and vision.
Guides to go with this calculator
2027 HSA Contribution Limits (and 2026): Full Guide
The IRS has already set the 2027 HSA limits: $4,500 for self-only coverage and $9,000 for families. Here are the 2026 and 2027 numbers, who qualifies, and how to decide between an HSA and an FSA at open enrollment.
How Much of Your Paycheck Goes to Taxes?
Your paycheck shrinks between gross and take-home for four separate reasons. Here’s each one, in 2026 numbers — and why being “in the 22% bracket” doesn’t mean 22% of your pay.
2026 401(k) and IRA Contribution Limits Explained
The IRS lifted the 401(k) limit to $24,500 and the IRA limit to $7,500 for 2026 — plus a bigger catch-up for ages 60–63 and a new Roth rule for high earners. Here is every number that changed.
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