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
Results
Recommended Contribution
$3,100.00
≈ 3 smartphones
Total Tax Savings
$919.15
≈ 7 pairs of sneakers
Figures current as of 2026. Source: IRS Rev. Proc. 2025-19
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).
What each input means
- Expected Annual Medical Expenses
- Your anticipated out-of-pocket medical costs this year.
- Marginal Tax Bracket
- Your federal marginal income tax rate (10%, 12%, 22%, 24%, 32%, 35%, or 37%).
- Coverage Type
- 0 = Individual (self-only), 1 = Family coverage.
- Your Age
- Age 55+ qualifies for a $1,000 catch-up contribution.
- Employer HSA Contribution
- Annual amount your employer contributes to your HSA.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersExpected Annual Medical Expenses = 3000, Marginal Tax Bracket = 22, Coverage Type = 0, Your Age = 35 = 5 input(s) provided
- Calculate Recommended ContributionRecommended Contribution3100 = $3,100
- Calculate Total Tax SavingsTotal Tax Savings919.15 = $919.15
- Calculate Monthly ContributionMonthly Contribution = round((optimalContribution / 12) * 100) / 100258.33 = $258.33
- Calculate Maximum AllowedMaximum Allowed4400 = $4,400
Figures and sources
- 2026 HSA self-only contribution limit (2026) — IRS Rev. Proc. 2025-19
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