HSA & FSA Contribution Calculator
See how much 2026 room is left in a health savings account or healthcare flexible spending account before the year closes out.
Check what’s left to contribute before December 31.
Enter what’s gone in so far. The limits update automatically for coverage type and catch-up eligibility.
HSA room left in 2026
FSA room left in 2026
Two accounts, two sets of rules, one deadline.
An HSA and a healthcare FSA are not interchangeable — most plans do not allow both at once outside a limited-purpose FSA — but each has its own room to track.
The 2026 Numbers
HSA: $4,400 self-only / $8,750 family, plus a $1,000 catch-up at 55 or older. Healthcare FSA: $3,400 per employee, with up to $680 allowed to carry over into 2027 if the plan permits it. Both figures are per the IRS’s annual inflation adjustment. Try our free employer HSA contribution calculator to run the numbers for your own group.
Where This Connects to Direct Primary Care
Starting January 1, 2026, a qualifying direct primary care membership no longer disqualifies an HSA, up to $150 a month for individual coverage or $300 a month for family, as long as the fee is the provider’s sole compensation. See the full rules on concierge medicine and direct primary care.
The rules in one place.
HSA Eligibility and Employer Contributions
Who can contribute, comparability and cafeteria plan rules, and mid-year enrollment.
IRS Rules For Employer Health Plans
The ACA forms, IRS letters and tax rules for employer plans, in one place.
What people ask about HSA and FSA contribution limits.
Five plain answers to go with the calculator.
What is the 2027 HSA contribution limit?
For 2027 the IRS limit is 4,500 dollars for self-only coverage and 9,000 dollars for family coverage, plus a 1,000 dollar catch-up for people age 55 and older. The source is IRS Rev. Proc. 2026-24.
Do employer contributions count toward the limit?
Yes. Employer contributions count toward the annual HSA limit, so an employee who also contributes needs to track the combined total.
Who can contribute to an HSA?
Generally someone covered by a qualifying high deductible health plan, without other disqualifying coverage and not enrolled in Medicare. Ask your tax advisor how this applies to you.
What are the 2027 high deductible health plan limits?
For 2027 the minimum deductible is 1,750 dollars self-only and 3,500 dollars family, and the out of pocket maximum is 8,700 dollars self-only and 17,400 dollars family.
Does the calculator replace tax advice?
No. It is a planning tool. Confirm the amounts with your tax advisor before you set contributions.
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We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
Laws and rules referenced
26 U.S.C. § 223 — Health savings accounts, including the $1,000 catch-up at age 55
Rev. Proc. 2025-19 — 2026 HSA limits: $4,400 self-only, $8,750 family
Rev. Proc. 2026-24 — 2027 HSA limits of $4,500 and $9,000, and direct primary care limits of $150 and $300 a month
Pub. L. 119-21, § 71308 — Direct primary care arrangements and HSA eligibility (26 U.S.C. § 223(c)(1)(E))
26 U.S.C. § 125(i) — Health flexible spending arrangement limit
Rev. Proc. 2025-32 — 2026 health FSA limit of $3,400 and carryover of $680
This tool gives estimates for education, not tax or legal advice. Rules change, so confirm your situation with a qualified advisor.
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