2027 HSA & FSA Contribution Limit Calculator
HSA limits for 2027 are officially confirmed by the IRS. Always verify current figures against the source before relying on them for tax planning.
See your exact 2027 HSA or FSA contribution limit, with HSA figures marked CONFIRMED (IRS Rev. Proc. 2026-24) and FSA figures marked PROJECTED, since the IRS hasn't announced official FSA numbers yet. No guessing which number to trust.
How it works
- Choose HSA (self-only or family) or Health FSA
- If HSA, check the box if you'll be 55 or older in 2027 for the catch-up contribution
- See your 2027 limit, clearly labeled CONFIRMED or PROJECTED, with the 2026 limit for comparison
Frequently asked questions
Is the 2027 HSA limit official?
Yes. The IRS confirmed 2027 HSA limits in Rev. Proc. 2026-24 (released May 29, 2026): $4,500 for self-only coverage and $9,000 for family coverage.
Why is the FSA limit marked PROJECTED instead of confirmed?
The IRS sets FSA limits separately and typically doesn't announce them until October or November of the prior year. As of this tool's last update, the IRS had not yet published the official 2027 FSA limit — $3,500 is an industry projection based on the same inflation formula, not an official figure.
How much is the HSA catch-up contribution for 2027?
$1,000 for anyone 55 or older, on top of the regular limit. This amount is fixed by statute (not inflation-adjusted) and has stayed at $1,000 since 2009.
What's the projected FSA carryover limit for 2027?
$700, projected as 20% of the projected $3,500 contribution limit. Like the contribution limit itself, this is not yet officially confirmed by the IRS.
Can I contribute to both an HSA and a Health FSA?
Generally no — HSAs require a high-deductible health plan and you typically can't also have a general-purpose Health FSA in the same year, though a "limited-purpose" FSA (dental/vision only) is usually allowed alongside an HSA. Check your plan's specific rules.
Where can I double-check these numbers myself?
IRS Revenue Procedures are published at irs.gov. Rev. Proc. 2026-24 covers the confirmed HSA limits; watch for the FSA revenue procedure release, typically in the fall.
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Update history
- 2026-09-24 Launched: 2027 HSA/FSA contribution limit calculator with HSA figures marked CONFIRMED (IRS Rev. Proc. 2026-24) and FSA figures marked PROJECTED, plus 55+ catch-up and carryover amounts.