Investing
HSA contribution limits
Combined employee + employer room for an HDHP. Catch-up is $1,000 at age 55+. This does not check HDHP eligibility.
Coverage
Room remaining
$4,750
How this HSA room is built
A health savings account is only for people on a qualifying high-deductible health plan (HDHP). The IRS sets one combined ceiling for employee + employer deposits for the calendar year. This page subtracts what you and your employer already put in and shows leftover room or an over-contribution.
2025 and 2026 ceilings
| Coverage | 2025 | 2026 |
|---|---|---|
| Self-only HDHP | $4,300 | $4,400 |
| Family HDHP | $8,550 | $8,750 |
| Catch-up age 55+ | $1,000 | $1,000 |
Catch-up stacks on top of the base limit if you are 55 or older. Employer contributions count toward the same cap. If payroll already deposited $2,000 and you want the 2026 family max, leftover employee room is $8,750 − $2,000 = $6,750 (plus $1,000 catch-up if eligible).
Why the order is match, then HSA
HSA amounts can be deductible (or payroll-pretax) going in, grow tax-free, and come out tax-free for qualified medical expenses — the usual “triple tax” shorthand. That is why the max the match playbook fills the employer 401(k) match first (free money with a vesting schedule), then HSA room, then IRA.
This tool does not test HDHP deductible minimums, last-month rules, or qualified-expense lists. Confirm eligibility with the plan and IRS Publication 969.
Frequently asked questions
Do employer contributions count toward the HSA limit?
Yes. The IRS ceiling is combined employee + employer (and any other) contributions for the calendar year. Payroll deposits use up the same cap you see here.
What is the HSA catch-up contribution age?
Age 55 or older. Catch-up is $1,000 on top of the self-only or family base limit for 2025 and 2026. This tool adds it when you mark that you are 55+.
Is there an income limit for HSA contributions?
There is no MAGI phase-out like a Roth IRA. You generally need qualifying HDHP coverage (and you cannot be enrolled in Medicare). This page does not test deductibles or last-month rules.
What are the family vs self-only HSA maximums?
Self-only: $4,300 (2025) or $4,400 (2026). Family HDHP: $8,550 (2025) or $8,750 (2026). Catch-up at 55+ is an extra $1,000 either way. Coverage type is about the HDHP, not marital status.
Do I need an HDHP?
Generally yes to contribute. This tool does not check plan deductibles or last-month rules. Confirm eligibility with the plan and IRS Publication 969.
This year (2026)
All limits401(k) employee deferral$24,500IRA contribution$7,500HSA self-only$4,400
Related calculators
Next tools in this path — or open the playbook, or read the guide.