HSA Contribution Calculator

Answer the following questions to determine how much you can contribute to your HSA. You can learn more about your results at the bottom of this page.

Select a calendar year to calculate your contribution for that year.

Do you qualify for a health savings account (HSA)?
Yes No
How many full months 1 during the calendar year will you be covered under a high deductible health plan (HDHP)?
What is the individual deductible 2 (per person, per year) on your high deductible health plan (HDHP)?
$
Is there at least one other person covered under your high deductible health plan (HDHP)?
Yes No
What is the family deductible 3 (maximum of individual deductibles that must be met per year) on your HDHP?
$
What is your date of birth?
Month:     Day:     Year:  
 
How much can you contribute to a Health Savings Account (HSA)?

Standard contribution*  
Please answer all the questions.
Catch-up contribution
Total contribution

About Your Results

* The Standard Contribution indicated above assumes you were eligible for an HSA as of the first day of December in the selected calendar year and remain eligible for an HSA for 13 consecutive months. If you are eligible for an HSA for less, then your contributions to your HSA for the selected calendar year will have to be pro-rated to correspond to the number of months in the calendar year during which you were eligible for an HSA (your answer to question #3 above).

If you are single or married...
The total contribution amount applies to contributions made by you (and/or on your behalf by your employer or any other person) and must be reduced by any contributions to a medical savings account (MSA).

If you are married and your spouse qualifies for an HSA...
If your spouse is the only person covered under your spouse's HDHP, the contribution limits above apply to you alone; take the test again and answer the questions on behalf of your spouse to calculate your spouse's contribution limit.

If your spouse's HDHP covers any other person (including or excluding you), then the standard contribution calculated above will apply to both you and your spouse together. You can divide it up between the two of you any way you like. The catch-up contribution applies only to the person whose birth date was entered. Enter your spouse's birth date to calculate your spouse's catch-up contribution, if any.

1 Exclude from this count any month you received VA medical benefits during the previous three months of that month.

2 If your spouse is covered under a separate HDHP with a lower individual deductible than your plan, then enter the individual deductible for your spouse's HDHP.

3 If your spouse is covered under a separate HDHP that covers at least two people and has a lower family deductible than your plan, then enter the family deductible for your spouse's HDHP.