HSA Calculator

2026

Calculate HSA tax savings, investment growth, and projected balance at retirement. See the triple tax advantage in action.

Coverage Type
$
$
$
%

Annual Tax Savings

$889.50

Projected Balance at Retirement

$341,280.40

Total Lifetime Tax Savings

$63,627.06

HSA Triple Tax Advantage

Tax-Deductible Contributions

$889.50/yr

Tax-Free Growth

$246,280.40

Tax-Free Withdrawals

For qualified medical expenses

HSA Analysis

Your Annual Contribution$3,000.00
Total Annual Contribution (with employer)$3,000.00
Maximum Allowed$4,400.00
Income tax savings (22% bracket)$660.00
FICA tax savings (7.65%)$229.50
Annual Tax Savings$889.50
Projected HSA Balance (30 years)$341,280.40
Total Contributions$90,000.00
Investment Growth$246,280.40
Taxable Account Would Be Worth$203,545.77
HSA Advantage Over Taxable$137,734.63

Projected HSA Growth

Year 1 (age 36)$8,560.00
Year 2 (age 37)$12,369.20
Year 3 (age 38)$16,445.04
Year 4 (age 39)$20,806.20
Year 5 (age 40)$25,472.63
Year 10 (age 45)$54,186.55
Year 15 (age 50)$94,459.32
Year 20 (age 55)$150,943.95
Year 25 (age 60)$230,166.57
Year 30 (age 65)$341,280.40

Use the HSA Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

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