HSA Calculator
Project HSA balance growth and the tax savings from contributions, using the triple tax advantage: deductible contributions, tax-free growth and tax-free medical withdrawals.
Your numbers
- Tax saved per year
- $1,525
- Total tax saved
- $38,115
- Total contributed
- $110,000
How the hsa calculator works
Annual tax savings = contribution × (marginal rate + 7.65% payroll tax if via payroll). Balance grows with contributions less medical spending at your assumed return.
Example
Using the default inputs (Annual contribution: $4,400; Marginal tax rate (fed + state): 27%; Contributed via payroll (saves FICA): Yes; Medical spending paid from HSA / yr: $1,200; Investment return: 6%; …), the calculator returns hsa balance after 25 years of $186,100. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What are the 2026 limits?
$4,400 for self-only and $8,750 for family coverage, plus $1,000 catch-up at 55.
Can I invest my HSA?
Yes. Many HSAs allow investing above a cash threshold, making them a powerful stealth retirement account.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.