Calculator · tax year 2026
How much contribution room is left this year?
Enter your age, what you have put in so far and your income. The calculator applies the limits and catch-ups for the tax year and shows what is left.
Tax year 2026 Checked Review by
CheckedOct 19, 2026
Each kind of account has its own yearly limit. The HSA limit depends on your health coverage. The 401(k) limit covers what you defer from pay across all your jobs. The IRA limit is one amount shared by traditional and Roth IRAs, and the Roth part shrinks as income rises.
This calculator puts the three side by side and shows the arithmetic for each.
The calculator
This calculator runs in your browser with JavaScript. Without it, the steps under How the estimate works give the same result by hand, with the same figures.
Your entries stay on this device. Nothing you type is sent anywhere.
Your estimate
Enter your numbers and choose Estimate.
Estimates for education only, from the federal figures listed below. This is general information as of the date shown, not advice for your situation. The right answer depends on your facts, so check how it applies to your own situation before you act on it.
How the estimate works
The calculator follows these steps, in this order.
- HSA: $4,400 for self-only coverage or $8,750 for family coverage, plus $1,000 at age 55 or older, times the months you had the coverage over 12. Your contributions and your employer's both count. Room is the limit minus what has gone in.
- 401(k), 403(b) or TSP: $24,500, plus a catch-up of $8,000 at age 50 or older, or $11,250 instead if you are 60, 61, 62 or 63 at year end. Room is the limit minus your deferrals so far.
- IRA: $7,500, plus $1,100 at age 50 or older, but never more than your taxable compensation. That one limit covers traditional and Roth IRAs together.
- Roth IRA: inside the income range for your filing status ($153,000 to $168,000 single or head of household, $242,000 to $252,000 married filing jointly), the Roth amount shrinks in proportion to how far your income is into the range. Above the range it is zero.
- Room left is never less than zero; anything already over a limit is flagged.
Worked example
Hypothetical example, not law and not a client
Jordan is 52 at year end, files single, has 159,000 dollars of modified AGI and wages, self-only HSA coverage all year with 1,500 dollars in so far, and has deferred 15,000 dollars to a 401(k).
- HSA: $4,400 (no catch-up before 55) minus 1,500 leaves 2,900 dollars.
- 401(k): $24,500 plus the age-50 catch-up of $8,000 is 32,500; minus 15,000 leaves 17,500 dollars.
- IRA: $7,500 plus $1,100 is 8,600 dollars of room.
- Roth IRA: 159,000 is 6,000 into the 15,000-wide single range, which leaves 9 of 15 parts: 8,600 times 9/15 is 5,160 dollars that can go to a Roth IRA. The rest of the 8,600 can go to a traditional IRA.
What this does not cover
- Whether you are eligible for an HSA at all: a qualifying high-deductible health plan, no other disqualifying coverage, not enrolled in Medicare and not claimed as someone's dependent.
- The HSA last-month rule and its testing period, coverage that changed during the year, and how married couples with family coverage split one family limit.
- The overall limit on all contributions to a workplace plan, employee and employer together, of $72,000, and plan-specific limits.
- 457(b) plans, which have their own separate limit, and SIMPLE IRAs and SIMPLE 401(k)s, which have lower ones.
- Whether a traditional IRA contribution is deductible when you or your spouse are covered by a workplace plan; that has its own income ranges.
- Spousal IRAs, where a joint return's combined compensation can support contributions for a spouse with little or none.
- Deadlines. Most of these can be made for the year until the filing deadline, but workplace deferrals must come out of this year's pay.
Read more
The tax code
Questions
Do employer HSA contributions count toward my HSA limit?
Yes. Contributions from you and your employer, including pre-tax payroll contributions, all count toward the same yearly HSA limit.
Do employer 401(k) matches count toward the elective deferral limit?
No. The elective deferral limit covers only what you choose to defer from pay. Employer contributions count toward a separate, larger overall limit.
Is the IRA limit separate for traditional and Roth IRAs?
No. It is one limit for all of your traditional and Roth IRAs together for the year. The Roth part can be smaller if your income is inside or above the Roth range.
Is this advice about my situation?
No. It is an estimate for education that shows how the rule works with the figures for the tax year. Your return depends on facts this page does not ask about, so check how it applies to your own situation before you act on it.
Figures used
Tax year 2026. Every figure the calculator reads comes from the verified library behind this site, with its source, the date it was checked and the date it is due for a re-check. If any figure passes its review date, the calculator pauses until it is re-checked.
| Figure | Value | Source | Checked | Review by |
|---|---|---|---|---|
HSA limit: self-only coveragefederal-2026:hsa.contribution_limit_self_only | $4,400 | Rev. Proc. 2025-19 sec. 2.01 | CheckedOct 8, 2026 | |
HSA limit: family coveragefederal-2026:hsa.contribution_limit_family | $8,750 | Rev. Proc. 2025-19 sec. 2.01 | CheckedOct 8, 2026 | |
HSA catch-up, age 55 or olderfederal-2026:hsa.catch_up_age_55_plus | $1,000 | 26 U.S.C. sec. 223(b)(3) | CheckedSep 24, 2026 | |
Elective deferral limit: 401(k), 403(b), TSPfederal-2026:retirement.elective_deferral_limit_401k_403b_thrift | $24,500 | Notice 2025-67 (sec. 402(g)(1)) | CheckedOct 8, 2026 | |
Catch-up deferral, age 50 or olderfederal-2026:retirement.catch_up_age_50_plus_401k_403b_457 | $8,000 | Notice 2025-67 (sec. 414(v)(2)(B)(i)) | CheckedOct 8, 2026 | |
Catch-up deferral, ages 60 to 63federal-2026:retirement.catch_up_age_60_to_63_401k_403b_457 | $11,250 | Notice 2025-67 (sec. 414(v)(2)(E)(i)) | CheckedOct 8, 2026 | |
Prior-year wages above which catch-ups must be Rothfederal-2026:retirement.roth_catch_up_wage_threshold_prior_year_fica_wages | $150,000 | Notice 2025-67 (sec. 414(v)(7)(A)) | CheckedOct 8, 2026 | |
IRA contribution limitfederal-2026:retirement.ira_contribution_limit | $7,500 | Notice 2025-67 (sec. 219(b)(5)(A)) | CheckedOct 8, 2026 | |
IRA catch-up, age 50 or olderfederal-2026:retirement.ira_catch_up_age_50_plus | $1,100 | Notice 2025-67 (sec. 219(b)(5)(B)(ii)) | CheckedOct 8, 2026 | |
Roth IRA income range: single or head of householdfederal-2026:retirement.roth_ira_contribution_phaseout_agi.single_or_hoh | $153,000 to $168,000 | Notice 2025-67 (sec. 408A(c)(3)) | CheckedOct 8, 2026 | |
Roth IRA income range: married filing jointlyfederal-2026:retirement.roth_ira_contribution_phaseout_agi.married_filing_jointly | $242,000 to $252,000 | Notice 2025-67 (sec. 408A(c)(3)) | CheckedOct 8, 2026 | |
Roth IRA income range: married filing separately, lived togetherfederal-2026:retirement.roth_ira_contribution_phaseout_agi.married_filing_separately_lived_together | $0 to $10,000 | Notice 2025-67 (sec. 408A(c)(3)) | CheckedOct 8, 2026 | |
Retirement: defined contribution annual additions limitfederal-2026:retirement.defined_contribution_annual_additions_limit | $72,000 | Notice 2025-67 (sec. 415(c)(1)(A)) | CheckedOct 8, 2026 |