CalcArcade.

HSA Calculator

Choose self-only or family coverage, enter what you plan to contribute and your tax rates. The calculator shows the yearly limit, the tax you save, and how much the account could grow.

Your numbers

An assumption you can change, not a forecast.

Result

Estimate for information only, not professional advice. Last reviewed .

Tax year 2026. Tax figures last updated October 29, 2026. Sources.

How we calculate it

The yearly limit for 2026 is $4,400 for self-only coverage and $8,750 for family coverage, plus $1,000 if you are 55 or older. The amount counted is the smaller of your contribution and the limit.

Tax saved is the amount counted times your federal rate plus your state rate, plus Social Security and Medicare tax (7.65%) when the money comes straight out of your paycheck. The balance grows each year as balance × (1 + return) + the contribution.

Assumptions and limits

  • You need a qualifying high-deductible health plan to contribute. Employer contributions count toward the same limit.
  • A few states, including California and New Jersey, do not give the state tax break on HSA contributions: set the state rate to 0 there.
  • Withdrawals for qualified medical costs are tax-free. Other withdrawals before 65 are taxed and carry a 20% penalty.
  • The tax rates and return are your assumptions, and the same contribution is assumed every year.

Frequently asked questions

What is the HSA triple tax advantage?

Money goes in tax-free, grows tax-free, and comes out tax-free when used for qualified medical expenses. That combination is why many people treat an HSA as a long-term account.

Who can open an HSA?

Anyone covered by a qualifying high-deductible health plan, who is not on Medicare and cannot be claimed as a dependent. Your plan paperwork will say if it qualifies.

What if I contribute too much?

Amounts over the yearly limit are not deductible and are taxed 6% each year until you take them out. Fix it before the tax filing deadline.

Do I lose the money if I do not spend it?

No. The balance is yours and rolls over every year, unlike a flexible spending account.

Related calculators

Worked example (a fixed example using the starting numbers, it does not change as you type)

Inputs: Coverage = Self-only high-deductible plan; Age 55 or older? = No; Your yearly contribution ($) = 4400; Federal tax rate (%) = 22; State tax rate (%) = 5; Contributions come out of your paycheck = Yes (also skips Social Security and Medicare tax); Years to grow = 20; Expected yearly return (%) = 6; Current HSA balance ($) = 0.

  • Tax saved this year $1,524.60
  • Yearly limit for you $4,400.00
  • Counted this year $4,400.00
  • Over the limit $0.00
  • Combined tax rate that applies 34.65%
  • Balance after 20 years $161,856.60
  • Tax saved over 20 years $30,492.00

Embed this calculator

Add this calculator to your own page. Paste the code where you want it. The small link keeps credit to the source.

More financial calculators

Last reviewed: . Formulas and assumptions are described on our methodology page. For information only; not professional advice.