An independent HSA calculator, built to be correct for 2026.

Who runs this

hsalimit.com is published by Red Goggles LLC, an independent operator of free web calculators and reference tools. We are not an HSA administrator, a bank, a brokerage, an insurer, or a government agency, and we are not affiliated with the IRS, CMS, SSA, or any financial institution. We don't sell accounts, we don't collect leads, and we don't take your information — the calculator runs on your device and nothing you type is sent to us.

Why this site exists

An HSA is the only account that is tax-advantaged at all three stages — money goes in pre-tax, grows tax-free, and comes out tax-free for qualified medical costs. But three real-world facts quietly change the answer, and the calculators that currently rank mostly ignore them: your Medicare timing (which can retroactively erase contribution room via the 6-month Part A lookback), your state (California and New Jersey tax HSAs every year), and the 55+ catch-up proration in a partial year. Getting those right — where a wrong "you can contribute" near Medicare creates real excise-tax exposure — is the entire reason this tool exists.

How it's calculated

The estimate is built from published federal figures, applied in the open:

• 2026 dollar limits (IRS Rev. Proc. 2025-19) — $4,400 self-only, $8,750 family, plus the flat $1,000 age-55+ catch-up (IRC §223(b)(3)). We cite the Revenue Procedure for the 2026 amounts because there is no 2026 edition of Pub 969 yet.
• Medicare proration — eligibility is tested month-by-month on the 1st; both the base limit and the catch-up prorate. The stop-contributing date keys to your Medicare/Social Security application minus the 6-month Part A lookback, never before the month you turn 65.
• State treatment — only California and New Jersey tax HSA contributions and in-account earnings; every other income-tax state conforms to the federal deduction, and no-income-tax states are moot.
• The triple-tax value — the deduction (plus the 7.65% FICA saved on payroll funding), tax-free compounding versus a taxable brokerage, and the tax skipped at withdrawal versus a Traditional IRA.

The full method is spelled out on the calculator page under How it works, the Medicare section, and the 2026 figures table, and explained further in our guides.

How we stay neutral and current

The One Big Beautiful Bill Act (OBBBA) is a charged law; we reference its enacted HSA provisions factually — bronze/catastrophic Exchange plans and Direct Primary Care are now HSA-compatible, and the telehealth safe harbor is permanent — without framing, and we're careful to note what didn't pass (for example, letting Medicare Part A seniors contribute). Every page carries a dated "last updated / reflects current law as of…" note, and we link to primary sources — IRS Revenue Procedures and Notices, the statute, SSA, and state tax authorities — so you can verify the figures yourself. Interim IRS guidance and state-conformity bills change; we replace estimates with official figures as they're published.

How the site is funded

hsalimit.com is free and supported by display advertising. Advertising is kept calm and never mixes with your inputs — see our privacy page for exactly what is and isn't collected.

Questions or corrections? We take accuracy seriously on a topic this consequential — reach us on the contact page.