HSA Calculator · 2026 Limits

HSA Calculator

A Health Savings Account (HSA) lets you set money aside for medical costs before tax. See how much tax you save each year and how big the account could grow. 2026 limits: $4,400 for one person, $8,750 for a family.

Your HSA Details

Who your health plan covers You need a high-deductible health plan (deductible of at least $1,700 for one person or $3,400 for a family in 2026) to use an HSA.

Are you 55 or older?

What you put in each year

Include anything your employer adds. It counts toward the same limit.

HSA balance today

Years you will keep contributing

Expected yearly investment return

Only if you invest the money. Use about 1% to 4% if it sits in cash.

Your federal tax bracket

State income tax rate

Enter 0 if your state has no income tax (such as Texas or Florida) or does not give a tax break for HSAs.

Social Security and Medicare tax (FICA)

You skip this 7.65% only when the money comes straight out of your paycheck. Enter 0 if you pay into the HSA yourself.

Results

Projected HSA balance in 20 years

Tax saved each year

Tax saved over all years

Investment growth

What it really costs you after tax savings

Three tax breaks in one account: (1) Money goes in before tax, which lowers your federal income tax and, through payroll, your Social Security and Medicare tax. (2) Growth is not taxed. (3) Money you take out for medical costs is not taxed.

Estimate only. Each year's contribution is added at the start of the year and grows at your expected return. Tax saved uses the rates you entered and assumes the same contribution and limit every year.