HSA Calculator
A health savings account is the only account with three tax advantages at once, which makes it a quiet powerhouse for long-term savings. Set your annual contribution, the number of years, and an expected return to watch it grow. The projection updates as you slide.
Investing $4,300/year in an HSA grows to about $437,156 in 30 years — all tax-free. The HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical costs. (2025 limits: $4,300 self / $8,550 family.)
Worked examples
Real results from this calculator, computed for a few common scenarios. Move the sliders above to run your own numbers.
| Annual contribution = $1,800 | Investing $1,800/year in an HSA grows to about $182,996 in 30 years — all tax-free. The HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical costs. (2025 limits: $4,300 self / $8,550 family.) |
| Annual contribution = $4,350 | Investing $4,350/year in an HSA grows to about $442,239 in 30 years — all tax-free. The HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical costs. (2025 limits: $4,300 self / $8,550 family.) |
| Annual contribution = $6,850 | Investing $6,850/year in an HSA grows to about $696,400 in 30 years — all tax-free. The HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical costs. (2025 limits: $4,300 self / $8,550 family.) |
Your next step
How this math works
The tool spreads your annual contribution into monthly amounts and compounds them each month at the return you set, across the full number of years. The result is the projected balance at the end of that period.
An HSA is the only triple-tax-advantaged account: contributions are deductible going in, growth is tax-free, and withdrawals are tax-free when used for qualified medical costs. For 2025 the contribution limit is 4,300 dollars for self-only coverage and 8,550 dollars for family coverage.
Common questions
What makes an HSA triple-tax-advantaged?
Contributions reduce your taxable income, the money grows without being taxed, and qualified medical withdrawals are tax-free. No other account offers all three at once.
Who can contribute to an HSA?
You must be enrolled in a qualifying high-deductible health plan and not covered by other disqualifying coverage. Eligibility rules apply, so check your plan details.
What if I use the money for non-medical costs?
Before age 65, non-medical withdrawals are taxed and face a penalty. After 65 they are taxed as income without the penalty, similar to a traditional retirement account.
Put this calculator on your website
Bloggers, teachers, credit unions, HR teams: embed the live HSA Calculator free. Copy the snippet below — the tool keeps working and stays up to date automatically, no maintenance on your side.
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