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About this tool
IRS HSA contribution limits with age 55 catch-up, month-by-month proration and the triple tax benefit estimate.
The HSA Contribution and Tax Saving Calculator works out how much you may put into a Health Savings Account for a given tax year, applying the IRS annual limit for self-only or family HDHP coverage, the $1,000 catch-up from age 55 under IRC §223(b)(3), and month-by-month proration when you were only eligible for part of the year. It then estimates the triple tax benefit: the income and FICA tax saved on the way in, the untaxed growth, and tax-free withdrawals for qualified medical costs. It is for anyone on a high deductible health plan deciding how much to put through payroll before the year closes.
Open HSA Contribution and Tax Saving Calculator on AltFTool — it loads instantly in your browser.
Under Eligibility set Tax year, HDHP coverage, Your age at the end of the year and Months eligible (on the 1st of the month), or tick "Use the last-month rule (eligible on 1 December, claim the full year)".
Under Contributions enter Your own contribution ($) and Employer contribution ($) and tick "Contributed by payroll deduction (also avoids FICA)", then set Federal marginal rate (%), State marginal rate (%), Years invested and Expected return (% a year).
Your contribution limit shows the cap and the room left, with IRS annual limit for this coverage, the prorated Base limit, Age 55+ catch-up, Room left before the limit, FICA saved via payroll deduction and First-year tax saving below; press Copy result.
Employer contributions share the same annual limit, and the tool subtracts them before showing your room.
Prorates by eligible months, or applies the full annual limit under the last-month rule if you toggle it.
Nets federal, state and FICA savings off your contribution so you see what it actually costs you.
For 2025 it is $4,300 for self-only coverage and $8,550 for family coverage (Rev. Proc. 2024-25). For 2026 it rises to $4,400 and $8,750 (Rev. Proc. 2025-19). Employer contributions count towards the same limit.
An extra $1,000, provided you turn 55 or older by the end of the tax year. This catch-up is fixed in statute under IRC §223(b)(3) and is not indexed for inflation, so a 56-year-old with family coverage in 2025 may contribute $9,550 in total.
The excess is subject to a 6% excise tax under IRC §4973(a)(5) for every year it stays in the account. Withdrawing the excess plus its earnings before your tax filing deadline, including extensions, avoids the tax.
Payroll deduction through a §125 cafeteria plan is better because it also escapes the 7.65% employee FICA (6.2% Social Security plus 1.45% Medicare) on wages up to the Social Security wage base. Direct contributions claimed on Form 8889 get the income tax deduction but not the FICA saving.
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