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Investing & RetirementInvesting & Wealth
HSA Calculator — The Triple-Tax-Advantaged Account You May Be Ignoring
Calculate how your HSA grows when you invest it instead of spending it. The triple-tax advantage makes the HSA the most powerful savings account in the tax code.
HSA — Health Savings Account Growth Calculator Details
$4,150
$
$500
$
$5,000
$
20
7%
%
22%
%
Results
LiveProjected HSA Balance
$209,977
Total Contributions Over Period$98,000
Annual Tax Savings from HSA$913
Total Contributions Over Period$98,000
Projected HSA Balance$209,977
Annual Tax Savings from HSA$913
How to use
Change one assumption at a time to see what moves the answer most.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
An HSA offers three tax benefits: contributions are pre-tax, growth is tax-free, and withdrawals for medical expenses are tax-free. After age 65, you can withdraw for any reason penalty-free (only income tax applies). This makes it a stealth retirement account.
How to Use It
- 1Enter your annual contribution (2026 limit: $4,150 individual, $8,300 family)
- 2Add any employer contribution
- 3Set your expected return (invest in index funds, not the default money market)
- 4See your projected balance at retirement
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