HSA Contribution Calculator
How much you can put in your HSA and the tax you'll save.
Total tax saved by maxing: $1,613
Months on HDHP this year (estimate): 12
Limits shown reflect IRS Rev Proc figures for 2026. FICA savings only apply if you contribute through payroll, not via personal deposits. California and New Jersey treat HSA contributions as state-taxable.
About
Enter your coverage type, age, and tax rates. The tool shows the 2026 IRS limit (4,400 self / 8,750 family, plus 1,000 catch-up at 55+), how much room is left after employer contributions, and total tax saved (federal, state, and FICA when contributed via payroll).
How to use
- Pick self-only or family HDHP.
- Enter age and any employer contribution.
- Enter your federal and state tax rates.
FAQ
Do payroll contributions really save FICA?+
Yes. HSA contributions through your employer's cafeteria plan are exempt from Social Security and Medicare taxes (7.65 percent). Personal deposits don't get this benefit.
What about California and New Jersey?+
Both states tax HSA contributions and earnings as state income. The federal benefit still applies.