Prorated by month

2026 HSA Contribution Limit Calculator

A health savings account allows a deduction on the way in, tax-free growth inside, and tax-free withdrawals for medical costs. The 2026 ceiling is $4,400 for self-only coverage and $8,750 for family coverage, with a $1,000 catch-up from age 55.

The number that trips people up is not the annual limit but the proration rule. Someone who becomes eligible in September cannot contribute a full year's amount, because the allowance is assembled from monthly slices. Select a coverage tier, an age and the number of eligible months to see the actual ceiling.

Official 2026 figures used here

How to read the result

Eligibility is measured month by month, and a month counts only if you were covered by a qualifying high-deductible plan on the first day of that month. The annual figure divided by twelve gives the monthly slice, and the slices are added rather than the annual figure being prorated at the end.

Coverage tier follows the plan rather than the person. A family plan sets the family ceiling even if only one person on the policy opens an account, and switching tiers mid-year means the months are counted separately under each tier instead of being blended into an average.

The catch-up is age-based rather than coverage-based, so a 55-year-old with self-only coverage can reach $5,400 and the same person with family coverage can reach $9,750. Unlike the plan limits, the $1,000 catch-up is fixed by statute and has never been indexed for inflation.

The account must sit alongside a qualifying high-deductible plan for 2026: a deductible of at least $1,700 for self-only coverage or $3,400 for family coverage, and out-of-pocket exposure no higher than $8,500 or $17,000. Enrolment in Medicare or in a general-purpose health FSA generally ends eligibility, which is why the months count matters more than the headline limit.

Contribution deadlines matter more than most account holders assume. A contribution for 2026 can generally be made until the filing deadline for that year, so a final December payroll deduction is not the last opportunity. An employer contribution counts against the same ceiling as an individual one, which means anyone who changes jobs mid-year must add both employers' amounts before comparing the total with the limit.

Questions people ask about this figure

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