MundoKit

2026 HSA contribution limit calculator

Review the eligibility checklist, then confirm coverage for each month of 2026. See prorated contribution room and a conditional last-month-rule estimate for one contributor.

Inputs
Eligibility checklist — apply before selecting months:
• You cannot be claimed as someone else’s dependent for 2026.
• On the first day of each eligible month, you have an HSA-qualified high-deductible health plan (HDHP), confirmed with your plan administrator, or qualify under the 2026 exception below, are not enrolled in Medicare and have no disqualifying other coverage. Ordinary self-only or family insurance is not enough.
• A general-purpose health FSA or HRA, including a spouse’s arrangement covering you, generally disqualifies you. Limited-purpose dental/vision or qualifying post-deductible arrangements may be allowed. Review Publication 969’s qualifying coverage rules.
From January 1, 2026, bronze and catastrophic plans available as individual coverage on an Exchange are treated as HDHPs, including qualifying off-Exchange purchases. SHOP bronze plans do not automatically qualify. Qualifying direct-primary-care arrangements no longer disqualify otherwise eligible individuals: aggregate monthly fees must not exceed $150 for one individual or $300 for arrangements covering more than one. Services must meet the statutory primary-care definition, with only a fixed periodic fee and no separate billing for care within the arrangement; a low fee alone is insufficient. DPC alone is not qualifying HDHP coverage. See Notice 2026-5, Q&A 4–8 and 11–14.
This worksheet supports one eligible contributor. If both spouses are eligible, use Form 8889 for allocation.
Include contributions by others and qualified IRA-to-HSA funding distributions. Exclude ordinary HSA rollovers.
Include salary-reduction contributions already made here; do not also enter them as personal contributions.

Results

Eligibility confirmation required
Review the checklist and confirm eligible months to see contribution room.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

How it works

The 2026 annual limits are $4,400 self-only and $8,750 family. Add each eligible month’s annual allowance, including the $1,000 age-55 catch-up if applicable, then divide by 12. Subtract personal and employer contributions. Display amounts round to cents; payroll amounts round down to cents. Intermediate values are not rounded.

monthly limit = sum of monthly annual allowances ÷ 12

The conditional December scenario uses the larger of the monthly limit and December’s annual allowance. This worksheet excludes shared spousal allocations and Archer MSA coordination.

Worked examples

Six eligible self-only months

July–December eligibility gives $4,400 × 6 ÷ 12 = $2,200. After $500 employer and $700 personal deposits, room is $1,000, or $250 across four paychecks.

Full-year family coverage, age 55

$8,750 + $1,000 = $9,750. With $2,000 employer and $3,000 personal deposits, remaining room is $4,750.

Frequently asked questions

Does employer funding count?
Yes. Include paid and expected employer deposits, including payroll salary reductions, once.
Is the last-month amount unconditional?
No. December 1 eligibility and continued eligibility through December 31, 2027 are required for the 2026 scenario. Failure generally causes income inclusion and 10% additional tax on the extra amount.
What if I enroll in Medicare?
Mark affected months ineligible. Medicare enrollment, including retroactive enrollment, can change contribution room.
Can I use this for both spouses?
No. Family limits may be shared, while catch-up contributions belong in each spouse’s own HSA. Use Form 8889 for allocation.

Sources

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.