Your real 2026 HSA limit
Self-only or family, months covered, Medicare, age 55 and the last-month rule. Hsatally works out the limit month by month and compares it with everything deposited.
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). Add $1,000 if you are 55 or older by December 31. The limit is prorated by the months you were eligible on the first of the month, unless you use the last-month rule (Form 8889 instructions).
Worked example
The sample is one person with self-only HDHP coverage all of 2026: $500 from the employer, $3,600 of pre-tax payroll deductions, and a $800 personal deposit made in April 2027 for tax year 2026. The limit is $4,400, so $500.00 is excess — $30.00 of excise tax each year unless it is withdrawn by the filing deadline. With family coverage and the age-55 catch-up the same deposits would leave $3,850.00 of room.
Your deposits stay on your computer
Hsatally reads your file with JavaScript in this browser tab. Nothing is uploaded, and the rows are gone when you close the tab.
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.
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.