The HSA is the only triple-tax-advantaged account in the US code. Project what invested HSA dollars become by retirement.
Enter contributions and a horizon to project growth.
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A Health Savings Account pairs a high-deductible health plan with unmatched tax treatment: deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical costs, the only triple-tax-advantaged account in the US code. This calculator projects your invested balance over time and quantifies the tax dollars saved. Compare retirement wrappers with our Roth vs traditional calculator.
Anyone on an HDHP, families weighing HDHP + HSA versus PPO during open enrollment, maximizers treating the HSA as a medical mutual fund for later-life expenses (healthcare is retirees' largest category), and employers benchmarking seed contributions against our 401(k) match calculator.
Example Input
Age 35. Family coverage: $8,550/yr contributed, employer seeds $1,000. Invested at 7% for 30 years, 24% marginal tax bracket.
Sample Output
Balance at 65: roughly $845,000. Total out-of-pocket contributions: ~$226,500. Immediate tax savings along the way: ~$54,400+. Tax-free growth adds the rest.
Example Input
Same inputs but saving receipts and paying future qualified costs tax-free.
Sample Output
Keeping receipts lets you reimburse yourself decades later, converting the entire ending balance into tax-free withdrawals and maximizing the triple-tax advantage.
Open enrollment decisions, after a raise (raise your payroll contribution), when your HSA crosses the custodian's investment threshold (move idle cash into funds), and during catch-up-eligible years (55+) when an extra $1,000/yr applies.
Enter current balance, your annual contribution, employer seed, expected return (index funds historically 7-8% nominal), years to grow, and your marginal tax rate. Contributions made via payroll dodge FICA too, worth an extra ~7.65%. The projection compounds monthly and reports ending balance plus cumulative tax savings.
Leaving the whole balance in cash is the biggest drag; invest it like a 401(k). Others: spending every reimbursement immediately instead of saving receipts, forgetting HSA funds never expire (unlike FSAs), non-medical withdrawals before 65 incur income tax plus a 20% penalty, and ignoring state tax nuances in CA/NJ.
Plan-year limits adjust annually for inflation; recent family coverage sits near $8,500-$8,750 with self-only near $4,300-$4,400, plus a $1,000 catch-up at 55+. Confirm current IRS figures before setting payroll deductions; this calculator accepts whatever annual figure you enter.
Purely on tax mechanics, the HSA wins: deduction going in AND tax-free medical withdrawals, versus tax-deferred growth with ordinary-income taxation later. Best practice is usually HSA up to any match equivalents, capture the full 401(k) match, then weigh where each next dollar goes.
After 65, non-medical withdrawals are taxed as ordinary income with no penalty, effectively making it a traditional IRA. Medical withdrawals remain permanently tax-free, and Medicare premiums plus long-term-care premiums count as qualified expenses.
Fully private browser-based math compatible with modern Chrome, Safari, Edge, and Firefox. No email gates, no stored data. Toggle assumptions live to stress-test conservative versus optimistic markets before your enrollment deadline.
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