Updated · Built and checked by the PlinzoTools team, formulas tested against published sources
Look up your HSA contribution limit for the current tax year, based on coverage type and age.
This tool looks up your Health Savings Account contribution limit for the 2026 tax year: $4,400 for self-only High-Deductible Health Plan (HDHP) coverage, $8,750 for family coverage, plus a $1,000 catch-up for anyone 55 or older (this catch-up amount is fixed by statute, not inflation-indexed, and has held at $1,000 for years). Source: IRS Rev. Proc. 2025-19.
Enter your age and select your HDHP coverage type (self-only or family). Your applicable HSA contribution limit appears instantly.
The tool starts with a base limit that depends on the coverage type you choose: self-only or family. If you enter an age of 55 or above, it adds the fixed catch-up amount on top. Nothing else is applied. Because the tool does not ask about your employer's contributions, your months of eligibility, or your income, the result is a maximum ceiling for a full year of eligibility, not a personalized allowance.
Take a 45-year-old with family coverage. The limit shown is the family base amount with no catch-up. If the employer contributes a portion to the account, that employer money counts toward the same limit, so the person can add only the remainder. Now imagine a 57-year-old on self-only coverage; the result is the self-only base plus the catch-up. If her employer contributes a fixed amount, subtract it to find how much of her own money can go in.
Treat the number as the most you could put in, and then compare it with what you can afford. HSAs offer a tax advantage when used for qualified medical costs, and unused balances generally stay with you from year to year, unlike some other health accounts. Whether investing the balance makes sense depends on your comfort with risk and your near-term medical needs. This tool does not provide medical or investment advice.
To reach the limit through payroll, divide it by your number of pay periods and, if your employer contributes, subtract that from the target first. If you expect to change plans mid-year, ask a tax professional how the limit applies before you contribute the full amount.
Yes -- HSA eligibility requires being enrolled in a qualifying High-Deductible Health Plan. Check with your plan administrator to confirm your specific plan qualifies.
Yes. All contributions from you, your employer and others count toward one combined limit, so subtract employer deposits from the figure shown.
The tool adds it when the age you enter is 55 or older. Actual eligibility depends on IRS rules, so confirm your situation.
The limit can be prorated, with exceptions. The tool does not model this, so consult IRS guidance or a tax professional.
Generally no. HSA balances typically carry over from year to year, but check your account terms.
Reference: Social Security Administration