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United States

HSA Contribution Limit Calculator

Legal basis: IRC §223 (health savings accounts) · checked 2026-10-04 · Rates and limits change — verify the current figures.

A health savings account, governed by IRC Section 223, is the most tax-favored savings vehicle in the US tax code: contributions are deductible, growth is untaxed, and withdrawals for qualified medical expenses are tax-free. But the tax benefit only works inside strict limits. You must be covered by a high-deductible health plan (HDHP), have no other disqualifying medical coverage, and not be enrolled in Medicare, and the amount you may contribute each year is capped by statute and adjusted annually for inflation.

The annual limit depends on your coverage tier: one figure for self-only HDHP coverage and a larger figure for family coverage. Anyone who is 55 or older by the end of the year may add a catch-up contribution on top of the base limit, and each spouse with an HSA can add their own catch-up from age 55. These dollar limits are set by the Treasury each year, so this calculator treats them as inputs rather than hard-coded facts; the defaults are illustrative and should be verified against the current-year IRS figures.

Coverage for only part of the year changes the math. The default rule is monthly proration: you get one-twelfth of the annual limit for each month you are HSA-eligible on the first day of the month. If you are covered by an HDHP on December 1, the last-month rule instead lets you contribute the full annual amount for that year - but you must stay eligible through the end of the following year's testing period, or the excess becomes taxable income plus a penalty. Enrolling in Medicare mid-year is the classic trap, since eligibility stops the first month you are entitled to Part A.

This calculator shows both methods side by side. Enter your coverage tier, the number of months you were eligible, your age, and the current-year limits, and it will show the prorated limit, the catch-up, and the last-month-rule alternative so you can see which path applies and how much room is left in your account.

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Calculate

mo
Count each month you were HDHP-covered and not enrolled in Medicare on the first day of the month.
If yes, the last-month rule may allow the full-year limit, subject to the testing period.
yrs
$
Statutory limit adjusted annually; verify the current-year figure in IRS Publication 969.
$
Statutory limit adjusted annually; verify the current-year figure in IRS Publication 969.
$
Available to each HSA-eligible spouse from age 55; verify the current-year figure.
Your HSA contribution limitfull-year eligibility$4,400
Annual limit for your coverage tierself-only HDHP coverage$4,400
Prorated by months of eligibility12 months × 1/12 of the annual limit$4,400
Catch-up contribution (55+)not available until the year you turn 55$0
Last-month rule limitfull-year amount allowed if you remain eligible through the testing period$4,400
Even monthly pace to the limitper month over a 12-month year$367/mo
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How the math works

  • Base limit = self-only limit or family limit depending on your HDHP coverage tier on the first day of the month.
  • Prorated limit = annual limit × (months of eligibility ÷ 12); the catch-up at 55+ is added in full once you qualify for the year.
  • Last-month rule: if you were HDHP-covered on December 1, you may contribute the full annual limit, subject to the 12-month testing period.
  • Limits are set annually by the Treasury; enter the current-year figures from IRS Notice or Publication 969.

Frequently asked questions

Who can contribute to an HSA?
You must be covered by a high-deductible health plan, have no other medical coverage that pays before the deductible (with limited exceptions), not be enrolled in Medicare, and not be claimed as a dependent by someone else. Coverage through a spouse's non-HDHP plan or a general-purpose FSA disqualifies you even if you never use it.
How much can I contribute each year?
There is a statutory limit for self-only HDHP coverage and a larger one for family coverage, both adjusted annually for inflation. The figures used as defaults here are illustrative inputs; check IRS Publication 969 or the annual inflation notice for the current year before contributing.
How does the 55+ catch-up work?
If you are 55 or older by the end of the tax year, you may contribute an additional fixed amount on top of the regular limit. Each spouse aged 55+ needs their own HSA to add their own catch-up; one account cannot hold two catch-ups. The catch-up amount is not prorated by months of eligibility.
What if I only had HDHP coverage for part of the year?
The default rule prorates the annual limit by month: you get one-twelfth for each month you are eligible on the first day of the month. Alternatively, if you are HDHP-covered on December 1, the last-month rule lets you contribute the full annual amount, but you must stay eligible for the entire following testing period or the extra amount becomes income plus a penalty.
Does enrolling in Medicare stop my contributions?
Yes. HSA eligibility ends the first month you are entitled to Medicare Part A, even if you delay Part B, so someone who enrolls at 65 in July can only contribute six-twelfths of the year's limit. Contributions made after eligibility ends are excess contributions subject to a 6 percent excise tax until removed.
What if I overcontribute?
Withdraw the excess and any earnings on it before your tax return deadline to avoid the 6 percent excise tax, which repeats every year the excess stays in the account. Excess contributions are not deductible and employer contributions, including through a cafeteria plan, count toward the same limit.
Can I still use the money after I stop contributing?
Yes. The balance rolls over year to year with no use-it-or-lose-it rule, and after age 65 you can withdraw for any purpose paying only ordinary income tax - though withdrawals for qualified medical expenses remain tax-free at any age. Many retirees use the HSA as a dedicated pot for Medicare premiums and out-of-pocket costs.

This calculator is an educational estimate, not tax or financial advice. HSA limits, catch-up amounts, and eligibility rules change annually, and the defaults here must be verified against the current-year IRS figures. Confirm your situation with a CPA or fiduciary adviser before contributing.

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