2026 IRS HSA limits
2026 HSA Contribution Calculator
Check the 2026 self-only or family HSA limit, add the age 55+ catch-up amount, subtract employer deposits, and get the per-paycheck amount needed to finish the year without going over.
Remaining allowed
$5,950
2026 limit used
$8,750
Per paycheck
$425.00
Contribution inputs
2026 HSA limit check
Uses the monthly eligibility method. Employer deposits count toward the same annual HSA limit.
Base 2026 limit
$8,750
Age 55+ catch-up
$0
Prorated limit
$8,750
Already counted
$2,800
Recommended next payroll amount
$425.00
14 paychecks left
$5,950 remaining room
HDHP threshold check
Deductible minimum
$3,400 vs $3,400+
Out-of-pocket maximum
$9,000 vs $17,000 cap