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Patient tool · HSA & FSA

HSA tax savings calculator

See how much a Health Savings Account saves you in taxes at the 2026 limits.

Editorial review in progress · How we review

Uses 2026 figures
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$

Employer money counts toward the yearly limit.

Your top federal bracket. Most households earning $50k–$200k are in the 12%, 22% or 24% bracket.

%

Enter 0 if your state has no income tax (for example Texas, Florida or Washington).

Your results will appear here.
Adjust the numbers, then press Calculate.

Assumptions
  • 2026 HSA limits: $4,400 self-only, $8,750 family, plus $1,000 if 55 or older (IRS Rev. Proc. 2025-19).
  • Requires an HSA-eligible high-deductible health plan. Savings use your top federal bracket plus your state rate; payroll contributions also skip 7.65% FICA.
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A Health Savings Account (HSA) lets you set money aside for medical costs before taxes. It's one of the few accounts with a triple tax benefit: money goes in tax-free, grows tax-free, and comes out tax-free when you spend it on qualified medical expenses. This calculator estimates what that's worth to you this year.

How it works

The calculator starts with the 2026 limit for your coverage: $4,400 for self-only coverage or $8,750 for family coverage, plus $1,000 if you're 55 or older. Money your employer puts in counts toward that limit, so the room left for you is the limit minus the employer amount.

Your tax savings are your contribution multiplied by your tax rates. If you contribute through payroll, you also skip Social Security and Medicare taxes (7.65%). If you contribute on your own and deduct it on your tax return, you save federal and state income tax only.

California and New Jersey don't give a state tax break for HSA contributions, so enter 0 for state tax if you live there.

Example

Maria has self-only coverage, is in the 22% federal bracket and pays about 5% in state tax. She contributes the full $4,400 through payroll.

  • Federal savings: $4,400 × 22% = $968
  • State savings: $4,400 × 5% = $220
  • Payroll tax savings: $4,400 × 7.65% = $336.60

Her total savings are about $1,525, so her $4,400 contribution really costs her about $2,875.

Make the most of it

If you can afford to, consider leaving some HSA money invested for the future and paying small bills from your checking account. Keep your receipts; you can reimburse yourself later.

FAQ

Frequently asked questions

Who can open an HSA?

You need to be covered by an HSA-eligible high-deductible health plan and have no other disqualifying coverage, such as Medicare or a general-purpose health FSA. Your plan documents or HR team can confirm whether your plan qualifies.

Do I lose my HSA money at the end of the year?

No. Unlike most FSAs, HSA money stays yours year after year, even if you change jobs or health plans.

What happens if I put in too much?

Contributions above the yearly limit are subject to a 6% penalty each year they stay in the account. Ask your HSA provider to remove the excess before your tax filing deadline.

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