HSA Remaining Contribution with $1,000 Employer and $2,000 Already Contributed
With the family HSA limit, a $1,000 employer contribution, and $2,000 already contributed, you can still add up to $5,550.
How to use this tool
- Enter the IRS annual limit for your HDHP coverage (self-only or family) for this year.
- Indicate whether you are 55 or older to add the $1,000 catch-up.
- Enter your employer's contribution and what you have contributed so far.
- Read your remaining room — that is the most you can still add this year.
Calculate how much more you can add to your family HSA after accounting for employer contributions and year-to-date contributions.
Frequently asked questions
- Do employer contributions count toward my HSA limit?
- Yes. The IRS limit is a combined cap, so anything your employer deposits reduces what you can add yourself. This calculator subtracts both to show your real remaining room.
- How much extra can I contribute if I'm 55 or older?
- An additional $1,000 per year as a catch-up contribution, on top of the standard limit. If both spouses are 55+, each needs their own HSA to claim the full catch-up.
- What happens if I over-contribute to my HSA?
- Excess contributions are generally subject to a 6% excise tax each year they remain in the account. Withdraw the excess (and any earnings on it) before your tax deadline to avoid the penalty.