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HSA Contribution Calculator 2026 and 2027
How much you can still put in your HSA, per paycheck
This HSA contribution calculator applies the IRS limit for your year and coverage, adds the $1,000 catch-up if you are 55 or older, subtracts what your employer puts in and tells you how much you can still contribute, per paycheck, and roughly what it saves you in federal income tax.
The key idea
Your employer's HSA money counts toward your limit
The limit covers everything that goes into your HSA in the year, from you and from your employer. With family coverage in 2027 the limit is $9,000: if your employer puts in $1,000, you can only add $8,000. Going over means the excess is taxed and pays a 6% penalty each year it stays.
How it is calculated
The limit is set by law and adjusted for inflation each year by the IRS:
- 2026: $4,400 with self-only coverage and $8,750 with family coverage (Rev. Proc. 2025-19).
- 2027: $4,500 and $9,000 (Rev. Proc. 2026-24).
- 55 or older: $1,000 more, every year.
What you can still contribute = (limit + catch-up) × months eligible / 12 − employer contribution
To be eligible you need a high deductible health plan (in 2027, a deductible of at least $1,750 self-only or $3,500 family) and no other disqualifying coverage, and you can't be enrolled in Medicare. The tax saving is an estimate at your federal bracket: state taxes can add to it.
Worked example
In 2027 you have family coverage all year, you are under 55 and your employer puts in $500. Your limit is $9,000, so you can still contribute $8,500.00: about $326.92 per paycheck over 26 paychecks. At a 22% bracket, that saves you around $1,870 in federal income tax.
Official sources
- IRS Revenue Procedure 2026-24: 2027 HSA contribution limits and HDHP amounts · 2027 HSA limits and HDHP minimum deductibles
- IRS Revenue Procedure 2025-19: 2026 HSA contribution limits and HDHP amounts · 2026 HSA limits
- IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans · eligibility, catch-up contribution, last-month rule, excess contributions and deadline
Common questions
Frequently asked questions
What is the HSA contribution limit for 2027?
$4,500 with self-only coverage and $9,000 with family coverage, per IRS Revenue Procedure 2026-24. If you are 55 or older, you can add $1,000.
What is the HSA limit for 2026?
$4,400 with self-only coverage and $8,750 with family coverage, per IRS Revenue Procedure 2025-19, plus $1,000 if you are 55 or older.
Do employer contributions count toward the HSA limit?
Yes: the limit covers everything that goes into your HSA in the year, from you and your employer. Subtract your employer's share to know what you can still put in.
What if I was only eligible part of the year?
Your limit is prorated by the months you were eligible, unless you use the last-month rule: if you are eligible on December 1, you can contribute the full amount, but you must stay eligible all of the next year.
What happens if I contribute too much?
The excess is taxable and pays a 6% excise tax for each year it stays in the account. You can avoid it by withdrawing the excess and its earnings by your tax return due date, including extensions.
What is the deadline to contribute to an HSA?
Until April 15 of the following year: contributions for 2026 can be made through April 15, 2027. Your employer can also allocate contributions made between January 1 and April 15 to the previous year.
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