HSA Calculator

Maximize your Health Savings Account's triple tax advantage. See how investing your HSA can grow.

Annual Contribution

2024 max: $4,150 (individual) / $8,300 (family)

Current HSA Balance

Years to Grow

Expected Return (%)

Tax Bracket (%)

Coverage Type

The Triple Tax Advantage

1. Tax-deductible contributions: Contributions reduce your taxable income, saving you money now.

2. Tax-free growth: Investment gains inside your HSA are never taxed—unlike a regular brokerage account.

3. Tax-free withdrawals: Use funds for qualified medical expenses at any time, tax-free. After 65, use for any purpose (like a traditional IRA).

HSA as retirement account: Many people use HSAs as a "stealth IRA"—invest now, pay medical bills out of pocket, withdraw tax-free in retirement.

This calculator provides estimates for educational purposes only.