Withdraw HSA excess contribution deadline

[zcindy9075]

I was told the 2024 excess HSA contribution removal deadline without a penalty was in October of 2025. May I confirm this information here?

[KeshaH]

That is correct. The deadline to withdraw excess 2024 contributions is the due date of the 2024 return, including extensions. If you file an extension, you can withdraw the excess by October 15, 2025.

See: Form 8889 Instructions

[zcindy9075]

What if I don't file an extension, which means my tax return would be due on April 15. Then, should the deadline be April 15 or Oct. 15? Thank you.

[SusanY1 · Accepted solution]

If you do not file an extension, then you would need to remove the excess by April 15.  If you file the extension, you preserve the right to withdraw the excess even if you file your return prior to the October 15 extension deadline.

[dmertz]

The deadline to obtain a return of excess contribution is October 15 if you request a filing extension or you file your tax return by April 15 (even if you did not request a filing extension).  If you file by April 15 and obtain the return of excess contribution after April 15 but no later than October 15, when amending your tax return you must include the notation "Filed pursuant to section 301.9100-2"