Are you over — or under — your HSA limit?
Drop your HSA deposits from payroll, your employer and yourself. Hsatally works out your 2026 or 2027 limit month by month, fills Form 8889 Part I, and shows any excess (6% tax a year) or the room you still have before April — in your browser; nothing is uploaded.
How it works
- Export your HSA contributions from your provider (or copy them into the template): date, amount, source. Drop it here, or try the sample.
- Pick the tax year, coverage, months covered and age, then read the limit, the Form 8889 lines, the excess or the room left.
- Fix it before the deadline — top up for last year until April 15, or ask your provider to remove an excess.
Why Hsatally
For anyone with a Health Savings Account — employees with payroll deposits, the self-employed, people who changed jobs or coverage mid-year, and, new in 2026, people on bronze or catastrophic Marketplace plans. Hsatally shows your real limit, what you have put in from every source, and whether you are over or still have room before April.
Every deposit, every source
Your provider's contribution export or a quick list: date, amount, and whether it came from you, payroll or your employer. Several HSAs add up. CSV or Excel.
2026 and 2027 limits
$4,400 / $8,750 for 2026 and $4,500 / $9,000 for 2027 (Rev. Proc. 2026-24), prorated by month, with the $1,000 catch-up at 55.
Mid-year changes
Started or lost HDHP coverage, went on Medicare, or used the last-month rule? See the month-by-month limit and the testing-period risk.
Excess before it costs you
Over the limit means a 6% excise tax every year until fixed. Hsatally shows the excess and the deadline to withdraw it.
What-if
Deduction, excess and tax saved for different personal top-ups, including the most you can still deduct.
Print or export
Print the Form 8889 Part I worksheet for your preparer, or with Pro get the Excel workbook and the monthly, what-if and deposits CSVs.
Simple pricing
Free for your full limit, Form 8889 Part I and every check. Pro for the full what-if sweep, every deposit and the exports.
Free
- Any number of HSA deposits
- Full limit, Form 8889 Part I and every check
- 3 what-ifs, 12 deposits and 1 account shown, print with a footer
- No signup, nothing uploaded
7-day pass
- 7 days of Pro, no subscription
- Full what-if sweep past your limit
- Every deposit and account, print without footer
- Excel workbook and monthly, what-if and deposits CSVs
Pro Monthly
- Everything in Pro
- Re-check after each paycheck or job change
- All exports
- Cancel anytime
Pro Yearly Best value
- Everything in Pro
- Open enrollment through April filing
- Costs less than 6 months of monthly
Prices in USD. Secure checkout by Polar, our merchant of record (its checkout shows our seller name, Launchtools). Sales tax is added at checkout in the US, Canada and India; elsewhere VAT/GST is included. Already bought? Enter your license key.
FAQ
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Deposits aren't stored, so closing the tab clears them. Settings can be saved in this browser if you ask.
What does Hsatally do?
It adds up your HSA deposits by source, works out your 2026 or 2027 contribution limit month by month (coverage type, months eligible, Medicare, age 55 catch-up, last-month rule, spouse split), and fills the Form 8889 Part I lines: limit, employer contributions, deduction, and any excess.
What are the limits?
2026: $4,400 self-only, $8,750 family (Rev. Proc. 2025-19). 2027: $4,500 self-only, $9,000 family (Rev. Proc. 2026-24). Plus $1,000 if you are 55 or older by year-end.
What changed in 2026?
The One Big Beautiful Bill Act made bronze and catastrophic Marketplace plans HSA-eligible from January 1, 2026, let people with direct primary care arrangements keep contributing, and made telehealth coverage before the deductible permanent (Notice 2026-05).
Do employer and payroll deposits count?
Yes. Everything in W-2 box 12 code W — your employer's money and your own pre-tax payroll deductions — counts toward the same limit. Only deposits you made yourself go on Form 8889 line 2 as a deduction.
What's free?
Importing any number of deposits, your full limit, the Form 8889 Part I lines, the excess or room left, every check, 3 what-ifs, 12 deposits and 1 account on screen and in print (with a footer). Pro shows and prints everything and adds the Excel and CSV exports.
What isn't covered?
Distributions (Form 8889 Part II), the testing-period income inclusion (Part III), Archer MSAs, qualified HSA funding distributions from an IRA, and state tax returns. Form 8889, its instructions, Pub. 969 and a tax professional come first.
Is this tax advice?
No. Hsatally applies the rules it describes to the numbers you provide. It is an estimate to check against Form 8889.