Does this include employer contributions?

No. You must include employer + employee contributions under the total limit.

What about the last-month rule?

Not modeled. This uses straight proration. If you rely on last-month rule, ensure testing-period compliance.

Yes. Update the base limits each year.

Can I switch coverage types mid-year?

Not modeled beyond months prorating. For mid-year changes, calculate per coverage month and sum.

No. It’s a quick estimate. Confirm with your plan and a tax professional.

finance calculator

HSA Contribution Limit Calculator

Calculate your HSA contribution limit with proration by months eligible and age-based catch-up.

Results

Base annual limit: $4,150
Catch-up (55+): $0
Prorated base limit: $4,150
Prorated catch-up: $0
Total contribution limit: $4,150

How to use this calculator

Select coverage type (self-only or family).
Enter age to apply catch-up if 55 or older.
Enter HSA-eligible months (1–12).
Review prorated base, catch-up, and total limit.

Inputs explained

Coverage: HSA limits depend on self-only vs family HDHP coverage.
Months eligible: Number of months you were HSA-eligible; this prorates limits (last-month rule not modeled).
Catch-up: $1,000 catch-up applies if age 55+.

How it works

Base limits: $4,150 self-only or $8,300 family (update annually). Catch-up is $1,000 at age 55+.

Proration = (Months eligible ÷ 12) × base/catch-up. Last-month rule not modeled; input actual eligible months.

Formula

Base = $4,150 (self) or $8,300 (family)
Catch-up = $1,000 at 55+
Prorated base = Base × (Months/12)
Prorated catch-up = Catch-up × (Months/12)
Total = Prorated base + Prorated catch-up

When to use it

Planning HSA contributions after mid-year HDHP enrollment.
Applying the age 55+ catch-up.
Checking total allowed contributions before payroll elections or deposits.

Tips & cautions

Update base limits annually; inputs are set to current-year values.
If you rely on the last-month rule, account for potential testing-period failure separately.
Combine payroll + personal HSA contributions to stay under the limit.
Simplified: does not model last-month rule/testing period.
Does not include employer contributions; user must ensure total stays under the limit.
Assumes single coverage type for the year; mid-year changes not modeled beyond proration via months input.

Worked examples

Self-only, age 40, 12 months

Base $4,150
Catch-up $0
Total $4,150

Family, age 57, 6 months eligible

Base $8,300 × 0.5 = $4,150
Catch-up $1,000 × 0.5 = $500
Total $4,650

Deep dive

Calculate your HSA contribution limit with proration by months eligible and the age 55+ catch-up.

Enter coverage type, age, and eligible months to see base, catch-up, and total allowed contributions.

FAQs

Does this include employer contributions?: No. You must include employer + employee contributions under the total limit.
What about the last-month rule?: Not modeled. This uses straight proration. If you rely on last-month rule, ensure testing-period compliance.
Are limits indexed?: Yes. Update the base limits each year.
Can I switch coverage types mid-year?: Not modeled beyond months prorating. For mid-year changes, calculate per coverage month and sum.
Is this tax advice?: No. It’s a quick estimate. Confirm with your plan and a tax professional.

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HSA limit estimate only. Does not model last-month rule/testing period or mid-year coverage changes beyond simple proration. Verify limits with IRS guidance and your HSA administrator.