HSA Contribution & Tax-Savings Calculator
See your remaining HSA room after employer money, and the income-tax you save by contributing to a Health Savings Account this year.
How it works
Room = IRS limit (self $4,300 / family $8,550, 2025) + $1,000 catch-up if 55+ − employer contribution · Tax saved = contribution × marginal rate
An HSA is triple tax-advantaged: contributions are pre-tax, growth is tax-free, and withdrawals for qualified medical costs are tax-free. Your personal contribution room is the annual IRS limit for your coverage type, plus a $1,000 catch-up from age 55, minus whatever your employer puts in — their money counts against the same cap. Because contributions come off the top of your taxable income, the real cost of funding an HSA is the amount you put in minus the tax you avoid.
Worked example
A 40-year-old with self-only coverage has a 2025 limit of $4,300. If the employer adds $500, your room is $3,800. Contributing $3,000 at a 24% marginal rate saves $720 in tax, so it costs you just $2,280 net to bank $3,000 for medical expenses.
Frequently asked questions
Does my employer's contribution reduce how much I can add?
Yes. The IRS limit is a combined cap on all contributions to your HSA, so employer money reduces your remaining room dollar for dollar. If your employer adds $500 to a $4,300 self-only limit, you can add up to $3,800.
What is the age-55 catch-up?
Account holders who are 55 or older by year-end can contribute an extra $1,000 above the standard limit. If both spouses are 55+, each must have their own HSA to use both catch-ups.
What happens if I over-contribute?
Excess contributions are subject to a 6% excise tax each year they remain in the account. You can avoid it by withdrawing the excess (and any earnings on it) before the tax-filing deadline.
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Educational estimate only, not insurance, tax or financial advice. Real premiums, contribution limits and costs depend on your carrier, plan, state and personal circumstances — get a quote and check current IRS limits.