PlanWise
Free 2026 calculators for HSAs, FSAs, HDHP vs PPO, and Medicare IRMAA — with the official IRS and CMS limits built in.
PlanWise is a free hub of US health-plan and tax-advantaged-account calculators for 2026. Work out your HSA contribution room and triple-tax-advantage growth, plan an FSA, compare an HDHP against a PPO, estimate your Medicare IRMAA surcharge, and project your HSA as a retirement account — all using the official 2026 limits from the IRS and CMS. Every result is an estimate for general information, not medical, tax, or insurance advice.
Source: IRS Rev. Proc. 2025-19 & 2025-32; CMS. Data as of 2026-06-14.
Calculators
See your maximum 2026 HSA contribution (self-only or family, plus the 55+ catch-up) and project tax-free growth.
2026 FSA PlannerRight-size your 2026 health FSA election and estimate the tax you save versus the use-it-or-lose-it risk.
HDHP vs PPO Break-Even CalculatorCompare an HDHP (with HSA) against a PPO across premiums, deductibles and expected care to find which costs less.
2026 Medicare IRMAA Surcharge CalculatorFind your 2026 Medicare Part B and Part D IRMAA surcharge from your 2024 MAGI and filing status.
HSA-as-Retirement Projection CalculatorProject decades of invested, tax-free HSA growth when you pay current medical costs out of pocket.
2026 Out-of-Pocket Maximum EstimatorEstimate your realistic 2026 worst-case spending against the HDHP out-of-pocket maximum.
2026 limits at a glance
| Item | 2026 amount |
|---|---|
| HSA contribution — self-only | $4,400 |
| HSA contribution — family | $8,750 |
| HSA catch-up (age 55+) | $1,000 |
| HDHP minimum deductible — self / family | $1,700 / $3,400 |
| HDHP out-of-pocket max — self / family | $8,500 / $17,000 |
| Health FSA limit (carryover max $680) | $3,400 |
| Standard Medicare Part B premium / mo | $202.90 |
Source: IRS Rev. Proc. 2025-19, IRS Rev. Proc. 2025-32, CMS. Data as of 2026-06-14.
Guides
- 2026 HSA contribution limits explained
- HDHP vs PPO: which saves more?
- HSA triple tax advantage explained
- What is Medicare IRMAA?
- FSA vs HSA: what's the difference?
- Use your HSA as a retirement account
What this site is
PlanWise publishes fast, free, genuinely-useful calculators and reference data for US health plans and tax-advantaged health accounts (HSA, FSA, HDHP, Medicare). Every figure is sourced to the IRS or CMS and dated. Because these are health and money decisions, we keep the disclaimers prominent: results are estimates, not professional advice. See our methodology and disclaimer.