Form 8889 Part I: by hand or from your deposits
The Form 8889 instructions include a line 3 limitation chart for mid-year changes. Hsatally fills that chart from your deposits and checks for excess.
| Hsatally | Form 8889 by hand | |
|---|---|---|
| What it gives you | Monthly limit, Part I lines, excess and room left, what-ifs | The official form and worksheet |
| Mid-year changes | Month grid, Medicare, last-month rule, spouse split | Line 3 limitation chart worksheet |
| Input | Deposits from CSV/Excel or the template | Your own totals |
| Price | Free: your full limit, Form 8889 Part I and every check, 3 what-ifs; 12 deposits and 1 account on screen. Pro: $7 for 7 days, $9/month or $49/year. | Free |
| Where data goes | Stays in your browser | On paper |
Honest take: you file Form 8889 itself, by hand or in your tax software. Hsatally is for checking early — before December payroll or the April deadline — so an excess can be withdrawn or a shortfall topped up.
Competitor details checked on 2026-10-29 from their public pages: IRS — Instructions for Form 8889, IRS — Publication 969. Prices change — check their site for the current offer. Product names are trademarks of their owners; we are not affiliated with them.
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.