How much should i contribute to my hsa calculator

How much should I contribute to my health savings account (HSA) each month?

The short answer: As much as you’re able to (within IRS contribution limits), if that’s financially viable.

If you’re covered by an HSA-eligible health plan (or high-deductible health plan), the IRS allows you to put as much as $4,300 per year (in 2025) into your health savings account (HSA).

If you’re contributing to an HSA, and on a family HDHP, the maximum amount that you can contribute is $8,550 per year (in 2025). And for those who are 55 or older, you can contribute an extra $1,000 annually for a total of $5,300 or $9,550 for accountholders on a family plan — with catch-up contributions accepted at any time during the year in which you turn 55.

What is an HSA?

A health savings account gives you greater control of your healthcare expenses and potential savings.

It also provides an avenue for you to build a nest egg for retirement and invest. With an HSA, you experience a triple-tax advantage:

• Contributions are tax-free
• Earnings are tax-free
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