Distinct from this site’s HSA growth-projection calculator — this finds the contribution limit itself, not what a contributed balance grows to.
How it works
The self-only or family limit is prorated by the fraction of the year you were HSA-eligible. Anyone 55 or older by December 31 can add a $1,000 catch-up on top — spouses who are each 55+ must use separate HSAs to each claim their own catch-up, per the IRS.
What this does not include
The IRS’s “last-month rule” allows some partial-year-eligible people to contribute the full-year limit if they remain eligible through December of the following year — a more favorable option than straight proration in some cases, which this calculator doesn’t model.
How to use this calculator
- Choose self-only or family coverage and enter the current-year limits.
- Enter months eligible this year and your age.
Frequently asked questions
Can both spouses use one HSA’s catch-up?
No — per the IRS, each spouse who is 55 or older must have their own HSA to claim their own $1,000 catch-up; it can’t be combined into a single account’s contribution.
What counts as HSA-eligible?
Being covered by a qualifying high-deductible health plan with no other disqualifying coverage — the specific eligibility rules aren’t computed by this calculator, only the dollar limit once eligible months are known.
Does unused HSA room carry over?
No — contribution room doesn’t carry over to future years the way some retirement accounts allow; unused room in one year is simply lost.
