Useful next calculations
Rates and sources, 2026
2026 HSA contribution limits from IRS inflation adjustments.
| Band or figure | Rate |
|---|---|
| Self-only | $4,400 |
| Family | $8,750 |
| Age 55 catch-up | $1,000 |
Source: IRS — HSA limits. Source checked for 2026.
When to use this calculator
- Before choosing between saving, investing or changing a contribution.
- When you want to compare cautious, base and optimistic return assumptions.
- When you need a projection before making a longer-term decision.
- When you want to see whether starting earlier or contributing more changes the outcome more.
A worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Coverage Type | Self-only (individual) |
| Your Age | 40 |
| Annual HSA Contribution ($) | $3,850 |
| Employer Annual Contribution ($) | $0 |
For those figures the calculator returns:
- Projected HSA balance: $150,122.00
- Annual tax savings: $847.00
- Total tax savings: $16,940.00
- After-tax cost of contribution: $3,003.00
- 2026 contribution limit: $4,400.00
How to read your results
Annual Tax Savings
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Total Tax Savings
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
After-Tax Cost of Contribution
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Method & assumptions
This calculator projects your HSA balance using the IRS 2026 contribution limits — $4,400 for self-only coverage, $8,750 for family coverage, with a $1,000 catch-up for those 55 and older. It caps combined personal and employer contributions at the applicable limit, then models annual growth using compound interest on the invested portion while accounting for qualified medical withdrawals each year. Tax savings are calculated at your stated marginal federal income tax rate; state tax savings, where applicable, would add further value not reflected here.
The projected balance assumes a constant annual return and consistent medical spending, which will not match real-world volatility. The calculator does not model the 6% IRS excise tax triggered by over-contributions, nor does it reflect HDHP minimum-deductible requirements or out-of-pocket maximums that determine HSA eligibility. Always verify your eligibility with your health plan documents and confirm contribution limits with the IRS or your plan administrator before the tax year closes.
Common mistakes
- Using an assumption that is not supported by a current local quote, bill, statement or official source.
- Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- Mixing monthly and annual inputs without converting them consistently.
- Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.