Money goes in with a tax break
Eligible contributions can reduce federal taxable income. You do not need to itemize to claim a qualifying personal contribution.
2026 tax year
HSA tax savings, without the guesswork.
See how much a planned health savings account contribution could reduce your federal income tax. The estimate uses the 2026 IRS contribution limits.
Your estimate will appear here
Enter a planned contribution and tax rate to see the federal income tax savings.
Estimated 2026 federal income tax savings
$0
Eligible contribution$0
After-tax cost$0
2026 limit$0
0% of your limit$0 room remaining
Explain these results
What is not included: possible state income-tax savings, possible payroll-tax savings from payroll contributions, investment growth, or future medical withdrawals.
Growth stays untaxed
Interest and investment growth inside the HSA are not taxed federally while they remain in the account.
Qualified medical spending is tax-free
Withdrawals for qualified medical expenses can come out free of federal income tax.
Before you contribute
- You generally need qualifying high-deductible health plan coverage to contribute to an HSA.
- The 2026 base limits are $4,400 for self-only coverage and $8,750 for family coverage. Employer contributions count toward the same limit.
- The $1,000 catch-up applies at age 55 or older. A spouse's catch-up must go into that spouse's own HSA.
- This calculator assumes you are eligible for the full year. Midyear coverage changes can reduce the amount you may contribute.
Sources & method
Method: eligible contribution × marginal federal income tax rate. Amounts above the selected IRS limit are excluded from the estimate.
Limits verified October 7, 2026.