HSA Calculator: Contribution Limits and Tax Savings
Find your HSA contribution limit for 2026 or 2027, the 55+ catch-up, how much tax you save and how your health savings account can grow when invested.
Includes the extra 1,000 you can add from age 55.
| Year | Age | Balance |
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What it does
A health savings account (HSA) works with a high-deductible health plan. Contributions lower your taxable income, the money grows tax-free and withdrawals for medical expenses are not taxed. The IRS sets a yearly limit for self-only and family coverage, plus 1,000 from age 55, and employer contributions count toward it. The calculator finds your limit, the tax you save and the balance year by year.
How to use it
- Choose the tax year and your coverage, then type your age and what your employer puts in.
- Type your contribution (empty means the maximum) and your federal and state tax rates.
- Add your balance, return and medical bills to see how the HSA grows year by year.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
What is the HSA contribution limit for 2027?
4,500 for self-only coverage and 9,000 for family coverage (4,400 and 8,750 in 2026), plus 1,000 from age 55. Money your employer puts in counts toward the limit.
How much tax does an HSA save?
With family coverage at 56 and 1,000 from your employer, you can put in 9,000. Through payroll, at 22% federal, 5% state and 7.65% FICA, you save 3,118.50 a year. California and New Jersey still tax HSA contributions.
Can I invest my HSA?
Yes. 4,500 a year invested at 6% grows to 165,535 in 20 years. Withdrawals for medical expenses are tax-free, and after 65 you can use the money for anything, paying income tax like a traditional IRA.
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