HSA Calculator
Project your Health Savings Account balance, see your triple tax advantage (income tax + FICA + tax-free growth), and plan for future medical expenses.
2026 limit: $4,400 individual / $8,750 family (55+ catch-up: +$1,000).
Projected HSA Balance
$95,276
After 20 years of investing
Annual Tax Savings
$1,393
$1,056 income + $337 FICA
Lifetime Tax Savings
$27,852
Over 20 years
Investment Growth
$56,875
Tax-free gains
Medical Expenses
$49,599
At 5% inflation
HSA Balance Breakdown
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Try it freeNo signup requiredThe Triple Tax Advantage
What makes an HSA special?
An HSA is the only account with a triple tax advantage: contributions reduce your taxable income (and avoid FICA taxes if through payroll), investments grow tax-free, and withdrawals for qualified medical expenses are never taxed. No other account - not a 401k, not a Roth IRA - offers all three.
Should I invest my HSA or spend it?
If you can afford to pay medical expenses out of pocket today, invest your HSA for the long term. Keep receipts for every medical expense - you can reimburse yourself from the HSA years or decades later, tax-free, while the balance grows. This strategy turns your HSA into a powerful retirement account. After age 65, you can withdraw for any purpose (taxed like a traditional IRA) or tax-free for medical expenses.
HSA contribution limits
For 2026, contribution limits are $4,400 for individuals and $8,750 for families. If you're 55 or older, you can contribute an extra $1,000 as a catch-up contribution. You must be enrolled in a High Deductible Health Plan (HDHP) to contribute to an HSA.
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