U.S. · 2026 tax year
Max HSA per paycheck calculator.
See the per-paycheck amount that fills your 2026 HSA, counting what you and your employer have already put in.
The 2026 HSA limit is $4,400 for self-only coverage and $8,750 for family coverage, plus $1,000 if you are 55 or older. Employer contributions count against it.
An HSA limit is a total for the year across everyone who pays into the account, so the per-paycheck number is not simply the limit divided by pay periods. If your employer seeds the account or you started mid-year, the right amount is lower. This page works backward from what is already in the account and the paychecks you have left.
Your numbers
Result
How this is calculated
The limit for the year is $4,400 for self-only coverage or $8,750 for family coverage (Rev. Proc. 2025-19 section 2.01), plus $1,000 if you are 55 or older by year end (26 U.S.C. 223(b)(3)). Room left is the limit minus everything already contributed for 2026, including employer money. Per paycheck is room left divided by the paychecks you have left, as of October 26, 2026.
The calculator assumes you have qualifying high-deductible plan coverage for all of 2026, or are covered on December 1 and meet the last-month rule testing period (Pub. 969). If you were covered for only part of the year without that rule, your limit is smaller; use the HSA contribution limit calculator.
Worked example
Family coverage, $3,500 already in, six paychecks left. Room left is $8,750 - $3,500 = $5,250, which is $875 per paycheck.
Self-only, age 55 or older, nothing in yet, 12 paychecks left. The limit is $4,400 + $1,000 = $5,400, which is $450 per paycheck.
Limits of this estimate
The tool does not know how your employer deposits money or whether you are on Medicare, which ends HSA eligibility. Contributions for 2026 can still be made until April 15, 2027, so a shortfall in December is not final.
Sources
Primary sources opened and checked on October 26, 2026. Figures are for tax year 2026 unless a source says otherwise.
Common mix-ups
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Often assumedMy employer's HSA contribution is on top of the IRS limit.
What the source saysIRS Publication 969 says the limit you or anyone else can contribute is reduced by employer contributions that are excluded from your income, including amounts made through a cafeteria plan. [1]
Checked against these sources on .
Frequently asked questions
What is the HSA limit for 2026?
$4,400 for self-only coverage and $8,750 for family coverage (Rev. Proc. 2025-19 section 2.01).
How much extra can I put in at 55?
$1,000 more if you are 55 or older at the end of the tax year (Pub. 969).
Does my employer contribution count toward my limit?
Yes. Pub. 969 says you must reduce what can be contributed by employer contributions that are excluded from income, including those made through a cafeteria plan.
Can I contribute after December 31?
Yes. You can contribute for 2026 until April 15, 2027 (Pub. 969). Payroll contributions have to come out of 2026 paychecks, but you can also add money directly.
What is the last-month rule?
If you are an eligible individual on December 1, you are treated as eligible for the whole year for the limit, as long as you stay eligible through the testing period (Pub. 969).
What if I started HDHP coverage mid-year?
Without the last-month rule your limit is prorated by months of eligibility. This tool assumes full-year coverage, so use the HSA contribution limit calculator if that does not describe you.
Not tax advice
This page is general information, not tax, legal or financial advice. Tax rules change and your facts may differ. Confirm anything that matters with the IRS, a CPA or an enrolled agent before you act. Everything runs in your browser; nothing you enter is sent anywhere.