U.S. Health Benefits

HSA Contribution Calculator 2026

Estimate your 2026 HSA contribution limit and remaining room using IRS self-only or family limits, eligible-month proration and the age-55 catch-up.

2026 HSA limits used

Coverage	2026 annual contribution limit	Age 55+ catch-up
Self-only HDHP	$4,400	+$1,000
Family HDHP	$8,750	+$1,000 for the eligible account owner

For two spouses who are each age 55 or older and otherwise eligible, each spouse’s $1,000 catch-up must generally be contributed to that spouse’s own HSA.

Monthly-proration method

Start with the 2026 self-only or family annual contribution limit.
Add the account owner’s age-55 catch-up when applicable.
Multiply by eligible months ÷ 12 for a basic monthly-proration estimate.
Subtract contributions already made by you or your employer.

This is a contribution-limit estimator, not a determination of HSA eligibility. Medicare enrollment, other health coverage, dependent status, the last-month rule and its testing period, changes in coverage type, and other IRS rules can change the correct limit.

2026 HDHP thresholds for reference

Coverage	Minimum deductible	Maximum out-of-pocket
Self-only	$1,700	$8,500
Family	$3,400	$17,000

Primary sources

Methodology & verification

Self-only limit: $4,400 for 2026.
Family limit: $8,750 for 2026.
Age-55 catch-up: $1,000 for an eligible account owner.
Proration: Monthly baseline based on entered eligible months; special last-month-rule treatment not modeled.
Last reviewed: 2026-09-17

Read Solveberry’s calculation methodology.