HSA Contribution Calculator
How much to put in, and what it saves you in tax.
Enter your values
ⓘ Live results
- Your contribution limit
- $8,300.00
- Remaining allowance
- $5,350.00
- Per paycheck
- $382.14
- Tax saved on the remaining amount
- $1,960.77
- Effective cost of contributing
- $3,389.23
- Catch-up included
- No
Quick answer
HSA money is triple tax-advantaged — deductible going in, tax-free while invested and tax-free for qualified medical costs — which is why it beats most accounts.
Per paycheck = (limit − contributed) ÷ pay periods left
How to use the HSA Contribution Calculator
- 1Choose self-only or family coverage.
- 2Enter what you and your employer have already contributed.
- 3Enter pay periods left and your marginal tax rates.
Worked example
Using the values the calculator loads with:
Inputs
- CoverageFamily
- Your age42 yr
- Contributed so far this year2200 $
- Employer contribution750 $
- Pay periods left this year14
- Marginal income tax rate24 %
- State tax rate5 %
Results
- Your contribution limit$8,300.00
- Remaining allowance$5,350.00
- Per paycheck$382.14
- Tax saved on the remaining amount$1,960.77
- Effective cost of contributing$3,389.23
- Catch-up includedNo
Frequently asked questions
Do payroll contributions save more?
Yes — contributions through payroll also avoid the 7.65% Social Security and Medicare tax, which a direct deposit later in the year does not.
Can I invest HSA money?
Most providers allow investing above a cash threshold. Paying current medical costs out of pocket and letting the HSA grow is the highest-value strategy.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.