account card · IRS · 2026-10-04
Subtract HSA Deposits from the 2026 Limit
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Example result. Replace the sample figures with your own.
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Example result
$3,400.00 of 2026 HSA room remains.
Example loaded. Change a figure to use your own.
Self-only HDHP coverage uses the $4,400 limit in Rev. Proc. 2025-19.
The age-55 catch-up is off. Turn it on only if you confirmed the $1,000 statutory add-on applies to you.
- Base limit: $4,400.00.
- Catch-up included: $0.00.
- Already contributed: $1,000.00.
- Room: $3,400.00.
What would change this
Coverage type, the age-55 catch-up choice, or amounts already contributed change the room.
Next step
Count employer contributions in the annual limit. Confirm you are an eligible individual for each month. Medicare enrollment ends HSA eligibility.
Re-check before you make the last 2026 deposit. Count the employer amount.
This tool gives general information. It is not medical advice. Speak to a licensed clinician before you make a health decision.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
This link contains the numbers you entered. Anyone with the link can see them.
Show the working
- Source: IRS Internal Revenue Bulletin 2025-21, Rev. Proc. 2025-19, checked 2026-10-04.
- Self-only $4,400. Family $8,750.
- The $1,000 age-55 catch-up is the statutory amount in section 223 and is not indexed. This tool adds it only when you choose that line.
Data as of 2026-10-04. Source: IRS — Rev. Proc. 2025-19, 2026 HSA limits.
What this does not cover
- The tool does not test the minimum deductible or the out-of-pocket cap.
- Partial-year eligibility can reduce the limit. This tool uses the full-year figure.
- The $1,000 catch-up is statutory and is added only when you select it.
This tool gives general information. It is not medical advice. Speak to a licensed clinician before you make a health decision.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Re-check before you make the last 2026 deposit. Count the employer amount.