Evergreen · no sunset Updated 2026-06-22

HSA Tax Savings Calculator

See the federal income tax you save by maxing your HSA, the triple-tax-advantaged break with no income limit. The 2026 limits are $4,400 self or $8,750 family, plus $1,000 at 55+.

Built and figure-checked by Michal, Independent developer. Not a CPA or tax adviser.

Coverage

Contribution / year

Age 55+ (catch-up)

Tax bracket

Your tax savings

$968/yr

≈ $81 per month back in your pocket

Contribution$4,400

2026 limit$4,400

Deductible$4,400

Bracket22%

No income phase-out, so HSAs stay evergreen.

Paying via payroll? Add 7.65% FICA on top, or 1.45% if you earn over $184,500.

Estimate only

How this estimate is built ›

How your savings is calculated

1.limit = $4,400 (self) or $8,750 (family) + $1,000 if 55+

2.deductible = min(your contribution, limit)

3.your savings = deductible × your tax bracket

The HSA is taxed three ways less than anything else you can open. Money goes in tax-free, grows tax-free, and comes out tax-free when you spend it on qualified medical care. No income limit, no sunset.

Payroll contributions save more. Go through your employer and you skip FICA as well. That is 7.65% under the $184,500 Social Security wage base for 2026, and 1.45% above it. The number at the top leaves that out.

Where these numbers come from

Code recomputes every figure above from these four IRS releases at build time. Nothing is typed into the copy by hand. Read them yourself.

Ready to file? Compare tax software

These handle HSA contributions (Form 8889) and the rest of your return.

TurboTax

Walks you through HSA Form 8889 + OBBBA deductions.

FreeTaxUSA

Free federal e-file; supports HSA entry.

TaxSlayer

Tiered plans; handles HSA, overtime, tips.

Affiliate disclosure: we may earn a commission at no cost to you.

Common questions

How much tax do I save with an HSA in 2026?

You save your marginal rate on every dollar, because the contribution comes off your income before tax. The 2026 limit is $4,400 self-only or $8,750 family, plus $1,000 once you turn 55. Max a family plan in the 22% bracket and that’s about $1,925 back.

Do HSAs have an income limit?

No. Unlike many deductions, HSA contributions have no MAGI phase-out, so they stay evergreen. Anyone with an HSA-eligible high-deductible health plan can contribute up to the limit.

What about FICA and payroll tax?

Contribute through your employer’s payroll and you skip FICA too. That’s 7.65% under the $184,500 Social Security wage base for 2026. Earn more and the 6.2% Social Security part has already stopped, so you save the 1.45% Medicare part. Neither is in the number above.

Who can contribute to an HSA?

You must be enrolled in an HSA-eligible high-deductible health plan (HDHP), not covered by a non-HDHP plan or Medicare, and not a dependent. See IRS Pub 969.

What is the HSA catch-up contribution for 2026?

If you are 55 or older, you can add a $1,000 catch-up contribution in 2026, on top of the $4,400 self-only or $8,750 family limit.

How much did the HSA limit change from 2025 to 2026?

The 2026 HSA limit rose to $4,400 self-only and $8,750 family, per IRS Rev. Proc. 2025-19. The 2025 figures it rose from, $4,300 and $8,550, are published separately in IRS Rev. Proc. 2024-25.

Which IRS form do I use for HSA contributions?

You report HSA contributions and your deduction on IRS Form 8889, filed with your Form 1040.

Related calculators

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Sourced to IRS Rev. Proc. 2025-19 and IRS Pub 969. Verified 2026-06-22.