HSA Contribution Calculator
Work out your Health Savings Account contribution limit, including the age 55+ catch-up, and how much room is left after employer and year-to-date contributions.
How to use this tool
- Enter the IRS annual limit for your HDHP coverage (self-only or family) for this year.
- Indicate whether you are 55 or older to add the $1,000 catch-up.
- Enter your employer's contribution and what you have contributed so far.
- Read your remaining room — that is the most you can still add this year.
A Health Savings Account (HSA) lets people with a qualifying high-deductible health plan (HDHP) set aside pre-tax money for medical costs. The IRS caps total annual contributions, and employer contributions count toward the same cap. This calculator adds the age 55+ catch-up, subtracts what you and your employer have already put in, and shows the room you have left.
Formula
Remaining HSA contribution room
Total limit = Base limit + Catch-up (if 55+)
Already used = Employer contribution + Your contributions
Remaining room = max(0, Total limit − Already used)
The result is floored at zero — you cannot contribute below the limit once it is reached. Employer dollars share the same cap as your own.
How it works
The HSA contribution cap is set each year by the IRS and differs for self-only versus family HDHP coverage. A crucial detail many savers miss is that the cap is a household-level total for the account: every dollar your employer contributes reduces the amount you can add yourself. This calculator therefore subtracts both your year-to-date contributions and the employer's contribution from the limit to show your true remaining room.
Account holders who are 55 or older by year-end may add a $1,000 catch-up contribution on top of the standard limit. If both spouses are 55+ and want the full catch-up each, each must own a separate HSA. This tool models a single account holder, so enter only your own catch-up eligibility. Coverage that changes mid-year (for example switching from self-only to family, or losing HDHP eligibility) can trigger pro-rated limits and the last-month rule, which are beyond this simplified estimate.
This is general information, not tax advice. The exact IRS limits change annually and your personal situation may include special rules; confirm the current-year figures on IRS.gov or with a tax professional before maxing out your account.
Worked example
Self-only coverage, under 55, with an employer match
- Total limit: $4,300 base + $0 catch-up = $4,300.
- Already used: $500 employer + $1,000 your contributions = $1,500.
- Remaining room: $4,300 − $1,500 = $2,800.
Remaining you can contribute: $2,800.00
Remaining room examples (self-only $4,300 limit, under 55)
| Employer contribution | Your contributions | Already used | Remaining room |
|---|---|---|---|
| $0 | $0 | $0 | $4,300.00 |
| $500 | $1,000 | $1,500 | $2,800.00 |
| $1,000 | $2,000 | $3,000 | $1,300.00 |
| $1,500 | $2,800 | $4,300 | $0.00 |
| $2,000 | $3,000 | $5,000 | $0.00 |
Key terms
- HSA
- A Health Savings Account: a tax-advantaged account for medical expenses, available to people enrolled in a qualifying high-deductible health plan.
- HDHP
- A High-Deductible Health Plan — the only plan type that makes you eligible to contribute to an HSA.
- Catch-up contribution
- An extra $1,000 the IRS allows HSA account holders aged 55 or older to contribute each year.
- Contribution limit
- The maximum total (your money plus any employer money) that can go into your HSA in a year.
Frequently asked questions
- Do employer contributions count toward my HSA limit?
- Yes. The IRS limit is a combined cap, so anything your employer deposits reduces what you can add yourself. This calculator subtracts both to show your real remaining room.
- How much extra can I contribute if I'm 55 or older?
- An additional $1,000 per year as a catch-up contribution, on top of the standard limit. If both spouses are 55+, each needs their own HSA to claim the full catch-up.
- What happens if I over-contribute to my HSA?
- Excess contributions are generally subject to a 6% excise tax each year they remain in the account. Withdraw the excess (and any earnings on it) before your tax deadline to avoid the penalty.