HSA Calculator
2026 limits and tax-free growth
HSA balance at age 65
$313,643
You put in
$132,000
Medical costs paid
$30,000
Income tax saved
$29,040
Contributions are deductible or come out of pay before income tax, growth is tax-free, and withdrawals for qualified medical costs are tax-free. The income tax saved is an estimate at your 22% bracket.
HSA balance by age
| Age | Contributed so far | Balance |
|---|---|---|
| 40 | $22,000 | $27,007 |
| 45 | $44,000 | $56,458 |
| 50 | $66,000 | $95,869 |
| 55 | $88,000 | $148,611 |
| 60 | $110,000 | $219,191 |
| 65 | $132,000 | $313,643 |
Holds the 2026 contribution flat; the IRS raises the limit most years ($4,500 self-only and $9,000 family for 2027).
2026 HSA limits
| Self-only | Family | |
|---|---|---|
| Contribution limit | $4,400 | $8,750 |
| With the age-55 catch-up | $5,400 | $9,750 |
| HDHP minimum deductible | $1,700 | $3,400 |
| HDHP out-of-pocket maximum | $8,500 | $17,000 |
| 2027 contribution limit | $4,500 | $9,000 |
From IRS Rev. Proc. 2025-19 and Rev. Proc. 2026-24, checked September 26, 2026. A married couple where both spouses are 55 or older can add $1,000 each, but each catch-up has to go into that spouse's own HSA.
How an HSA saves tax
Your own contributions are deductible, and contributions your employer makes, including through a cafeteria plan at work, can be left out of your income. The money grows tax-free, and withdrawals for qualified medical expenses are tax-free too. The calculator estimates the income tax saved as your contributions times your federal bracket.
Withdrawals for anything else are taxed as income plus an extra 20%, unless you are 65 or older, disabled, or the money is paid out after your death. From 65, a withdrawal for other expenses is taxed as income without the extra 20%.
To contribute you must be covered by a qualifying high-deductible plan and not be enrolled in Medicare, among other conditions in Publication 969. From 2026, bronze and catastrophic plans available through an Exchange count as high-deductible plans, and a direct primary care arrangement costing up to $150 a month ($300 for more than one person) no longer blocks contributions.
To see how an HSA fits with the rest of your plan, use the FIRE calculator and the retirement withdrawal calculator.
Sources
Frequently Asked Questions
What is the HSA contribution limit for 2026?
Do my employer's HSA contributions count toward the limit?
How much can an HSA grow by retirement?
Can I contribute to an HSA after 65?
What happens if I use my HSA for non-medical expenses?
What is a high-deductible health plan for 2026?
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