MasterTool

HSA Calculator

Calculate hsa from your own entered figures.

IRS 2026 HSA limits (Rev. Proc. 2025-19; Publication 969) last updated · reference source

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.

What this tool does

Calculate hsa from your own entered figures. HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.

How to use the HSA Calculator

  1. Enter or select hdhp coverage level.
  2. Enter or select current age.
  3. Enter or select current hsa balance.
  4. Enter or select your annual hsa contribution.
  5. Enter or select employer hsa contribution per year.
  6. Enter or select expected annual return (%).
  7. Enter or select years to project.
  8. Read the calculated result; change any measurement to compare alternatives.

Formula

total yearly contribution is capped at the IRS 2026 HSA limit for your coverage ($4,400 self-only / $8,750 family, +$1,000 at age 55+; employer contributions count toward the same cap); the balance then compounds yearly
coverage
HDHP coverage level
age
Current age
balance
Current HSA balance
annual
Your annual HSA contribution
employer
Employer HSA contribution per year
ret
Expected annual return (%)
years
Years to project

HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.

Worked example

For hsa calculator, the following measurements illustrate the exact method: HDHP coverage level: self; Current age: 40; Current HSA balance: 5000; Your annual HSA contribution: 4400; Employer HSA contribution per year: 500; Expected annual return (%): 6; Years to project: 20.

Inputs

  • HDHP coverage levelSelf-only coverage
  • Current age40
  • Current HSA balance5000
  • Your annual HSA contribution4400
  • Employer HSA contribution per year500
  • Expected annual return (%)6
  • Years to project20

Result

  • Projected HSA balance$177,892.28
  • 2026 IRS HSA limit for your coverage and age$4,400.00
  • Annual contribution counted (after the cap)$4,400.00
  • Total contributions over the projection$88,000.00

Results explained

Projected HSA balance
Projected HSA balance from the formula above. HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.
2026 IRS HSA limit for your coverage and age
2026 IRS HSA limit for your coverage and age from the formula above. HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.
Annual contribution counted (after the cap)
Annual contribution counted (after the cap) from the formula above. HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.
Total contributions over the projection
Total contributions over the projection from the formula above. HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.

Frequently asked questions

total yearly contribution is capped at the IRS 2026 HSA limit for your coverage ($4,400 self-only / $8,750 family, +$1,000 at age 55+; employer contributions count toward the same cap); the balance then compounds yearly

HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: HSA eligibility requires an HSA-qualified high-deductible health plan and no disqualifying coverage; medical spending from the account is not deducted here, and the return is a single assumed rate.