HSA Remaining Contribution: $500 Employer, $1,500 Already Contributed
With individual HSA coverage, a $500 employer contribution, and $1,500 already contributed, you can still add up to $2,300.
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.
See exactly how much more you can put into your individual HSA this year after employer and personal contributions so far.
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.