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Financial Calculator Update 9/30/2026

HSA calculator enhancements for 2026–2027, 72(t) rate updates, minor changes to tax calculator

Overview

The Sept. 30th update for 2026 is limited to HSA calculator updates, 72(t) calculator rate updates and minor changes to the tax calculator definitions and better handleing of a few uncommon tax situations. All updates are cumulative; if none of your calculators are affected, you can skip this limited update and any changes will be included in the next update release. To view the previous update package please see Calculator Update 6/30/2026.

Update Instructions

  1. Download the latest version of your calculator update from your download site, found on your update email notice.
  2. Run the update package (KJEUpdate.exe). This is a self-extracting zip file. (Or unzip the KJEUpdate.zip file if you are using a non-Windows platform.)
  3. When prompted for a directory, you may use the default or enter your own. It is recommended that you extract the update to a new directory and then move the required files to your production environment. One directory will be created with no subdirectories.
  4. Copy the new files to your current deployment, replacing files with identical file names with the new ones.

If you wish, you can download the full calculator package from the same location and refresh all files provided by KJE for your calculators. This package includes any site-specific changes done for you by KJE, but will not include any customizations by you or your web developers. Please contact us if you have questions regarding this update package.

Master Changes (affects all calculators)

  1. Mortgage Amortization Schedule Improvement: The headers of the mortgage calculators with two or more loans being compared have been improved. Borders and shared columns are now better delineated.
  2. iFrame Deployments: Some iFrame deployments had poor scrolling on phones. This update addresses the scrolling issue by restoring native scrolling to these devices when scrolling with a touch screen over the calculator.
  3. ADA and Screen Readers: Small Incremental improvements to ADA compliance and screen reader functionality are included in this update.

Calculator Specific Updates

  1. 1040 Tax Estimator (Tax1040.html) This has been updated for changes to a few definitions and to cover some uncommon use cases better.

  2. U.S. Easy Tax Estimator (TaxEZ1040.html)This has been updated for changes to a few definitions and to cover some uncommon use cases better.

  3. Simple Federal Tax Calculator (Tax1040Simple.html) This has been updated for changes to a few definitions and to cover some uncommon use cases better.

  4. Marginal Tax Calculator (TaxMargin.html, SPTaxMargin.html) This has been updated for changes to a few definitions and to cover some uncommon use cases better.

  5. 72(t) Calculator, 72(t) Distribution Impact (Retire72T.html, Retire72T2.html, Retire72Alt.html, SPRetire72T.html, SPRetire72Alt): The default “Reasonable interest rate” has been changed to 5.54% to reflect 120% of the current Federal Mid-Term rate as of October 2026.

  6. HSA Calculators: All HSA calculators have been updated to include 2027 data in the definitions. Please see the table below for descriptions of changes to each calculator.

    Health Savings (HSA) Calculators from Dinkytown.net
    Health Savings Account (HSA) Contribution CalculatorHSAContribution.htmlPlan year added to inputs and definitions. Ability to select current year (2026) or next year (2027) and all applicable limits and rules for the selected year will apply to the calculations.
    Health Savings Account (HSA) Goal CalculatorHSAGoal.htmlPlan year added to inputs and definitions. Ability to select current year (2026) or next year (2027) and all applicable limits and rules for the selected year will apply to the calculations.
    Health Savings Account (HSA) Savings CalculatorHSASavings.htmlPlan year added to inputs and definitions. Ability to select current year (2026) or next year (2027) and all applicable limits and rules for the selected year will apply to the calculations.
    Health Savings Account (HSA) vs. Traditional Health PlanHSAvsTraditional.htmlPlan year added to the report (defaults to the current year 2026).
    Health Savings Account (HSA) vs. Traditional Total Savings ComparisonHSATotalSavings.htmlPlan year added to the report (defaults to the current year 2026).
    Health Savings Accounts (HSA) Employer BenefitHSABusiness.htmlPlan year added to the report (defaults to the current year 2026).
    Health Savings Accounts (HSA) Contribution and Limits
    20262027Change
    HSA Contribution LimitSingle: $4,400
    Family: $8,750    		Single: $4,500
    Family: $9,000    		Single: +$100
    Family: +$250
    HSA catch-up contributions*$1,000$1,000No change, not indexed to inflation
    HDHP minimum deductibleSingle: $1,700
    Family: $3,400    		Single: $1,750
    Family: $3,500    		Self-only: +$50
    Family: +$100
    HDHP maximum out-of-pocket**Single: $8,500
    Family: $17,000    		Single: $8,700
    Family: $17,400    		Single: +$200
    Family: +$400
    *Catch-up contributions can be made anytime during the year in which the participant turns 55.
    **This includes deductible amount, co-payments and other non-premium payments.