Over contribution limit! Your contribution has been capped at the maximum of $4,150.
Total Tax Savings
$1,109
Effective Cost
$3,041
Contribution
$4,150
Catch-up contribution of $1,000 available at age 55+.
What is an HSA?
A Health Savings Account (HSA) is a tax-advantaged savings account for individuals enrolled in a High Deductible Health Plan (HDHP). HSAs offer a "triple tax advantage": contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. Funds roll over year to year and are portable if you change jobs.
What are the 2025 HSA contribution limits?
For 2025, the HSA contribution limits are $4,300 for self-only coverage and $8,550 for family coverage. If you are age 55 or older, you can make an additional catch-up contribution of $1,000. These limits include both employer and employee contributions.
What is the triple tax advantage?
The "triple tax advantage" of HSAs means: (1) Contributions reduce your taxable income (pre-tax or tax-deductible), (2) Investment growth inside the HSA is tax-free, and (3) Withdrawals for qualified medical expenses are tax-free. No other account in the US tax code offers all three benefits simultaneously.
Can I use my HSA after age 65?
Yes. After age 65, you can use HSA funds for any purpose without penalty (though non-medical withdrawals are taxed as ordinary income, similar to a traditional IRA). You can still use funds tax-free for qualified medical expenses, including Medicare premiums (Parts B, C, D), long-term care insurance, and dental/vision care.
IRS-Aligned: This calculator uses 2025 HSA contribution limits per IRS Revenue Procedure 2024-25. FICA savings assume payroll-deducted contributions. State tax savings may not apply in CA or NJ where HSA contributions are not state-deductible.
Disclaimer: This calculator provides estimates based on current IRS rates and thresholds for the 2025 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your filing status, state of residence, deductions, and individual circumstances. Always consult a qualified tax professional or CPA before making financial decisions. Read our terms
This calculator uses official rates and thresholds from:
- IRS Publication 969 — Health Savings Accounts and Other Tax-Favored Health Plans
- Revenue Procedure 2024-40 — Inflation Adjustments for 2025
Last verified: March 2026 · Tax year 2025. Results are indicative — consult a qualified accountant for personalised advice.