HSA Contribution Calculator

Determine the optimal HSA contribution based on your expected medical expenses, tax bracket, and contribution limits.

Medical Disclaimer

This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.

Inputs

Expected Annual Medical Expenses

Marginal Tax Bracket

Coverage Type

Your Age

Employer HSA Contribution

Tab to move between fields

Results

Recommended Contribution

$3,100

Total Tax Savings

$919.15

Monthly Contribution$258.33

Maximum Allowed$4,150

Income Tax Savings$682

FICA Tax Savings$237.15

Effective After-Tax Cost$2,180.85

How to Use This Calculator

Select your coverage type: Self-only or Family.
The calculator displays the IRS annual HSA contribution limit for your coverage type.
Enter your employer's HSA contribution (if any) to see your remaining contribution room.
Review your maximum allowable personal contribution.
Remember that HSA contributions must be made with a qualifying High-Deductible Health Plan (HDHP).

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