The contribution is capped at the 2026 health savings account limit used in this tool: $4,400 for self-only coverage and $8,750 for family coverage. The balance grows at the annual rate you enter. A qualified withdrawal is shown as leaving the balance. The cap is applied before growth.
A family contribution at the $8,750 cap, with no withdrawal, grows only by the rate you type. A contribution typed above the cap is reduced to the cap before the growth is applied. Catch-up contributions at age 55 are not added.
This is a United States HSA. It is not a Canadian health spending account or an FHSA. The limits are the figures built into this tool for 2026, not a determination that your plan is HSA-eligible.