Transparency
Disclosure & disclaimer
How this site works and what it is not.
Not tax advice
HSAProrate is a free educational calculator, not tax, legal, or financial advice, and using it creates no professional relationship. It estimates one person’s HSA contribution limit using the rules in IRS Publication 969 / Form 8889. The limit is the combined total of your, your employer’s, and any other contributions; married couples share the family limit. Figures change yearly — confirm the current amounts with the IRS or a tax professional before acting.
Privacy
Everything runs in your browser. Nothing you enter is transmitted, stored, or logged.
Affiliate links
Some outbound links — for example to HSA providers or tax software — may be affiliate links: if you sign up through them we may earn a commission at no extra cost to you. This never affects the calculation, and the tool is free to use regardless. Display advertising may also appear.