HSA Maximizer

Hit your HSA limit without going over.

← 401(k) Maximizer
Jobs

Pull up your most recent pay stub and benefits summary for each job that offers an HSA before you start.

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This is a calculator, not tax advice. It works from the numbers you type in and can’t see whether your plan actually qualifies as an HDHP, whether other coverage — a spouse’s plan, a general-purpose health FSA, Medicare — disqualifies you, or what your HSA provider has already recorded. Contributing while ineligible, or past your limit, is taxable and draws a 6% excise tax for every year the excess stays in the account. Check the figures against your plan documents and your provider’s year-to-date total, and talk to a tax professional before acting on anything here.