Retirement & benefits · 2026
HSA Contribution Calculator
HSA limits are prorated by the months you were HSA-eligible. Enter your coverage and age.
Eligibility is measured on the first day of each month.
- Your 2026 maximum
- $4,400.00
- Base limit for your coverage
- $4,400.00
- Age 55+ catch-up
- $0.00
- Proration applied
- None — eligible all year
Transparent method
How this calculator works
- Start with the 2026 self-only or family HSA contribution limit.
- Add the $1,000 age-55 catch-up, then prorate by months of HSA eligibility.
- Subtract contributions already made to show the remaining amount.
What the result does not include
- The family limit is shared between spouses. Employer contributions also count toward the same limit.
- The last-month rule and its testing period are not automatically applied; the calculator uses conservative monthly proration.
Common questions
Why is the HSA catch-up age 55 and not 50?
HSAs use 55 as the catch-up age, unlike 401(k)s and IRAs which use 50. The $1,000 amount is fixed by statute and is not indexed to inflation, so it does not change year to year.
What is the last-month rule?
If you are HSA-eligible on December 1, you may contribute the full annual amount for that year instead of prorating. The catch is a 13-month testing period: if you stop being eligible during the following year, the extra contribution becomes taxable and takes a 10% penalty. This calculator uses straight proration, which is the conservative answer.
Can each spouse contribute the family maximum?
No. The family limit is shared across both spouses and can be split however you choose. Each spouse who is 55 or older can add their own $1,000 catch-up, but the catch-up must go into that spouse’s own HSA.