Tax years 2026 and 2027 · Last checked October 17, 2026
How much HSA room do you have left this year?
A free planner for HSA contribution room, the last-month rule and your FSA deadline. Everything runs in your browser.
Open the planner → Read the guides
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What it does
HSA room
Annual limit, catch-up, eligible months, Medicare and what you and your employer already put in.
Two methods
Compare the monthly method with the last-month rule, with the testing-period warning.
FSA countdown
Days left in your plan year, what could be forfeited, and the HSA conflict check.
Guides
Is a Bronze or Catastrophic Plan HSA-Eligible for 2027?
Bronze and catastrophic plans can count as HDHPs from 2026.
HSA Contribution Limits 2027: Self-Only, Family, 55+
2026 vs 2027 limits at a glance.
HSA Last-Month Rule and Testing Period, With Examples
Full limit if eligible on Dec. 1, with a testing period.
FSA Use-It-or-Lose-It: Carryover vs Grace Period
Carryover vs grace period, and questions for your employer.
FSA and HSA Together: Limited-Purpose FSA Rules
Limited-purpose and post-deductible FSAs.
HSA Contribution Limit When You Enroll Mid-Year
Month-by-month limit if you enroll mid-year.
Direct Primary Care and HSAs: The $150 Monthly Rule
The $150 monthly rule.
HSA Mistakes: Excess Contributions, Medicare, Withdrawals
Excess contributions, Medicare and withdrawals.