HSA Planner

Find contribution room, plan future savings and compare personal or employer health-plan costs.

  • Methods explained
  • Save scenarios
  • Compare saved scenarios
  • Chart
  • Household prefill

Your HSA decision

Plan inputs

$

Plan results

Base Annual Limit$4,400
Age 55 Catch-Up$0
Total Annual Limit$4,400
Your Remaining Contribution$3,900
Monthly Contribution$325

How this mode works

Assumes full-year eligible HDHP coverage, no Medicare enrollment, and contributions for this account owner. Employer deposits count toward the limit. A spouse’s age-55 catch-up must go to that spouse’s own HSA; partial-year and last-month-rule exceptions are not modeled.

IRS HSA contribution and eligibility rules

How it works›

Model and assumptions. Combines the selected HSA contribution, savings, goal or plan-comparison mode using the implemented annual limits and entered costs, returns and tax assumptions. Full-year eligibility, qualifying expenses and employer contributions matter; the model does not establish individual eligibility.IRS Publication 969