1. Coverage and eligibility
2. Optional: check your plan's HDHP qualification
Leave these blank to skip the qualification check and just compute the contribution limit.
Choose coverage type and eligible months, then click Calculate.
Result
What this does not cover
- Not a full eligibility determination. This does not check for other disqualifying coverage — a general-purpose health FSA, Medicare enrollment, being claimed as a dependent, or a spouse's non-HDHP plan can eliminate HSA eligibility even during otherwise-eligible months.
- Family limit is a household total, not per-spouse. If both spouses are HSA-eligible under family coverage, the $8,750 family limit is split between their two HSAs by agreement; this tool computes only the household total.
- The catch-up cannot go into a spouse's HSA. A spouse who is 55+ and wants the catch-up contribution needs their own HSA in their own name.
- Point-in-time 2026 figures. These limits are re-indexed annually (except the $1,000 catch-up, fixed by statute); confirm the current year's figures before relying on this in a later year.
Common questions
What is the 2026 HSA contribution limit?
$4,400 for self-only HDHP coverage or $8,750 for family coverage, per IRS Rev. Proc. 2025-19. Those 55 and older who are not yet enrolled in Medicare can contribute an additional $1,000 catch-up, which is fixed by statute rather than adjusted for inflation each year.
What deductible and out-of-pocket limits does a plan need to qualify as an HDHP in 2026?
The deductible must be at least $1,700 for self-only coverage or $3,400 for family coverage, and the out-of-pocket maximum must not exceed $8,500 for self-only or $17,000 for family. A plan outside these bounds is not HSA-qualified, whatever it is marketed as.
How is the HSA limit prorated if I was not covered all year?
By whole months of HDHP eligibility: the annual limit multiplied by eligible months divided by 12. Six months of self-only eligibility in 2026, for example, gives a prorated limit of $2,200 rather than the full $4,400.
What is the last-month rule, and what is the catch?
If you are HSA-eligible on December 1 of the tax year, you may contribute the full annual limit even if you were eligible for only part of the year. In exchange, you must remain HSA-eligible through December 31 of the following year (the testing period). If eligibility lapses before then for a reason other than death or disability, the amount you contributed beyond what proration would have allowed becomes taxable income in the year eligibility lapsed, plus a 10% additional tax.
Is this tax advice?
No. This tool applies published 2026 IRS figures to the numbers you enter. It does not check for other disqualifying coverage such as a general-purpose FSA, Medicare enrollment, or being claimed as a dependent, and it is not a substitute for IRS Publication 969 or a qualified tax professional.