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HSA Contribution Calculator 2027.
Find your 2026 or 2027 HSA contribution limit for self-only or family coverage, with the 55+ catch-up, partial-year proration, the last-month rule, employer money and your tax saving.
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Steps to use HSA Contribution Calculator 2027
Choose the year, your HDHP coverage and whether you are 55 or older, then the months you are eligible. Enter what you and your employer put in: the room left, any excess and your tax saving update as you type.
How HSA Contribution Calculator 2027 processes your input
Limits from IRS Rev. Proc. 2026-24 (2027: $4,500 / $9,000, HDHP minimum deductible $1,750 / $3,500, out-of-pocket maximum $8,700 / $17,400) and Rev. Proc. 2025-19 (2026); $1,000 catch-up; monthly proration and the testing period of the last-month rule.
HSA Contribution Calculator 2027: worked example
2027 family coverage, age 56, eligible all year: $9,000 + $1,000 catch-up = $10,000; with $4,000 through payroll and $1,500 from the employer, $4,500 can still be added.
2027 HSA contribution limits
| Limit | 2026 | 2027 |
|---|---|---|
| Self-only coverage | $4,400 | $4,500 |
| Family coverage | $8,750 | $9,000 |
| Catch-up, age 55 or older | $1,000 | $1,000 |
| HDHP minimum deductible (self / family) | $1,700 / $3,400 | $1,750 / $3,500 |
| HDHP out-of-pocket maximum (self / family) | $8,500 / $17,000 | $8,700 / $17,400 |
The 2027 amounts come from IRS Rev. Proc. 2026-24 and the 2026 amounts from Rev. Proc. 2025-19. The $1,000 catch-up is set by law and is not indexed to inflation. Employer contributions, including cafeteria-plan money, count toward the same limit as yours.
Work out how much you can still contribute
- Choose the year and your high-deductible health plan (HDHP) coverage: self-only, or family if the plan covers you and at least one other person.
- Tick 55 or older if you reach 55 by 31 December, then enter the number of months you are eligible on the first day of the month.
- Enter what you contributed through payroll or directly, and what your employer put in. The room left, any excess and your estimated tax saving appear at once.
Example: family coverage in 2027, age 56, eligible all year: $9,000 + $1,000 = $10,000. With $4,000 through payroll and $1,500 from the employer, $4,500 can still be added. If you only become eligible in June (7 months) with self-only coverage, the pro-rata limit is $4,500 × 7 / 12 = $2,625.
Last-month rule, excess contributions and tax savings
- Last-month rule: if you are eligible on 1 December, you may contribute the full year’s limit, but you must stay HSA-eligible until 31 December of the following year. Otherwise the extra amount becomes taxable income plus a 10 % additional tax.
- Too much in the account? Excess contributions are taxed 6 % for each year they stay. Ask your HSA provider to remove the excess and its earnings before your tax-filing deadline.
- Tax saving: contributions are deductible from federal income tax, and payroll contributions also avoid the 7.65 % Social Security and Medicare tax. $3,000 through payroll at a 22 % bracket and a 5 % state tax saves about $1,039.50. California and New Jersey tax HSA contributions.
- Medicare: you cannot contribute for months in which you are enrolled in any part of Medicare.
An HSA contribution also lowers the income used for the ACA premium tax credit: see the ACA Subsidy Calculator. Your bracket comes from the Tax Bracket Calculator, and long-term saving can be compared with the Retirement Contributions Projection.
Questions about HSA Contribution Calculator 2027
What is the HSA limit for 2027?
$4,500 for self-only coverage and $9,000 for family coverage, plus $1,000 if you are 55 or older (IRS Rev. Proc. 2026-24).
Does my employer’s contribution count toward the limit?
Yes. Everything that goes into your HSA for the year — your payroll deductions, direct deposits and employer money — shares one limit.
Can both spouses make a catch-up contribution?
Yes, if both are 55 or older and HSA-eligible, but each catch-up must go into that spouse’s own HSA. The family limit itself is shared between spouses.
Until when can I contribute for 2027?
Until the tax-filing deadline for 2027, usually mid-April 2028. Tell your HSA provider which year a contribution is for.
Is HSA Contribution Calculator 2027 free, and do I need an account?
Yes. This tool is free to use in your browser without an account. Processing takes place on your device.
What are the limits and what should I check?
Federal rules only: check your state’s treatment and any month with Medicare yourself. Spouses sharing family coverage must split the limit between them. Not tax advice. Nothing is uploaded. Review the result before using it in your work.
Is my input sent to a server?
Your input is processed in your browser and is not uploaded by this tool. Files and pasted text are cleared when the page is refreshed. Normal website requests are still required to load the page and its libraries. Read the privacy explanation.