US HSA Calculator 2026

Plan contributions, remaining room, qualified expenses, and growth for a US HSA in 2026.

HSA coverage in 2026

Age-55 catch-up eligibility

Planned annual employee contribution

The tax treatment of your contributions can depend on how they are made.

Annual employer contribution

Employer contributions share the annual limit with your contributions.

Estimated marginal income-tax rate

Expected qualified medical expenses per year

Planning period

years

Expected annual return

% p.a.

HSA eligibility and 2026 limits

You may contribute only when you meet the US eligibility rules. An HSA-qualified high-deductible health plan is the typical starting point; other permitted arrangements and exclusions may apply. The calculator does not determine your coverage or month-by-month eligibility.

For 2026 it uses $4,400 for self-only coverage and $8,750 for family coverage. An additional $1,000 catch-up may apply from age 55. See the official 2026 amounts from the IRS.

How to use the calculator

Select coverage and whether the age-55 catch-up applies.
Enter employee and employer contributions separately; both count toward the annual limit.
Add the marginal tax rate and expected qualified medical expenses.
Choose a planning period and return assumption, then calculate the scenario.

Read contributions, tax savings, and growth together

A $4,400 employee contribution at a 22% marginal rate produces a simplified $968 annual income-tax estimate. Employer contributions add to the HSA but also use contribution room. The projection pays qualified expenses from the available balance, leaving only the remainder invested.

Triple tax benefit and estimate limits

When the applicable requirements are met, contributions may receive favorable tax treatment, earnings may grow tax-free, and qualified medical expenses may be paid tax-free. Nonqualified distributions are generally taxable and may face an additional tax before age 65. The projection holds the 2026 limit, contributions, expenses, and return constant; fees, market losses, payroll-tax effects, and state rules are excluded.

Frequently Asked Questions

Who may contribute to an HSA?

You must meet the US eligibility rules for the applicable month. An HSA-qualified HDHP is the typical starting point; other permitted arrangements and exclusions may apply. The calculator does not determine your status.

How much contribution room remains?

The calculator subtracts employee and employer contributions from the 2026 limit for the selected coverage and adds the chosen catch-up. Check partial-year eligibility and special rules separately.

Do employer contributions count toward the limit?

Yes. Employer and employee contributions share the individual's annual limit. The calculator therefore captures them separately and then combines them.

How is the tax benefit estimated?

The simplified estimate multiplies the employee contribution that fits within the remaining limit by your marginal income-tax rate. Payroll taxes, state rules, and contribution method are not modeled.

What happens to nonqualified distributions?

They are generally subject to income tax and may face an additional tax before age 65. After age 65 the additional tax generally no longer applies, but income tax may remain.

Which year do the limits and rules cover?

The calculator uses the IRS contribution limits for 2026. The multi-year projection deliberately holds that limit constant instead of guessing future statutory amounts.