2026 HSA eligibility and contribution estimator
Screen eligible months and estimate prorated HSA contribution room.
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Results update as you change the inputs.
Estimated remaining HSA room$4,400
- Annual coverage and age limit
- $4,400
- Prorated limit used
- $4,400
- Employer and personal contributions
- $0
- Eligible months used
- 12
This is a monthly eligibility screen. Other disqualifying coverage, Medicare timing, the last-month rule, testing periods, spouse coverage, and excess contributions require review.
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Use the estimate to ask a better question.
Bring the assumptions, your records and the result to a tax professional before acting on a material tax or retirement decision.