HSA Contribution Calculator

Find the payroll deduction that maxes your HSA by year-end — employer contributions and the 55+ catch-up included, with your estimated tax savings. Everything updates live and nothing leaves your browser.

📖 How it works & FAQ

Coverage type (sets 2026 IRS limit)

Annual HSA limit ($)

Age 55+ catch-up (+$1,000)

Employer contribution ($/year)

Already contributed this year ($)

Pay frequency

Paychecks left this year

Marginal tax rate (%)

How this HSA calculator works

The calculator starts with your annual HSA limit (pick self-only or family coverage, or type a custom amount) and adds the $1,000 catch-up if you are 55 or older. Employer contributions count toward that same cap, so they are subtracted first; what remains is your share. It then subtracts anything you have already contributed this year and divides the rest by your paychecks left, giving the payroll deduction that lands you right at the limit by December 31. The tax-savings card multiplies your share by your marginal rate. Everything runs privately in your browser and nothing is sent anywhere.

Why per-paycheck beats a lump sum

Spreading contributions across payroll has a hidden bonus: HSA money taken from your paycheck through a cafeteria plan also skips Social Security and Medicare (FICA) tax, about 7.65% on top of income tax. A lump-sum deposit is still deductible on your return, but you miss the FICA break, so payroll deferrals are usually the most tax-efficient route to the same limit.

How to use it

Choose your coverage type. The 2026 IRS limit fills in automatically, and you can edit it for any year or plan.
Turn on the 55+ catch-up if it applies, then enter what your employer deposits per year and anything you have already contributed.
Set your pay frequency, or type the exact number of paychecks left this year.
Read the cards: the per-paycheck amount to hit the cap, your share of the limit, estimated yearly tax savings, and the room you have left.

Estimates only, not financial, tax, or legal advice. Confirm current IRS limits and your plan rules before changing payroll elections.

FAQ

What are the HSA limits for 2026?: $4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up if you are 55 or older. The limit field is editable, so you can plug in any year's numbers.
Do employer contributions count against my limit?: Yes. Employer deposits and your own contributions share one combined cap, so the calculator subtracts them first.
What tax rate should I enter?: Your marginal federal bracket, the rate on your last dollar earned. Payroll HSA contributions typically skip FICA and often state income tax too, so real savings can be higher than shown.
What if I am already over the limit?: The room card flags the overage. Excess contributions can owe a 6% excise tax unless withdrawn before the tax deadline; ask your HSA custodian about removing them.