Free calculator

HSA Calculator

An HSA is the only triple-tax-advantaged account — deductible contributions, tax-free growth, and tax-free medical withdrawals. Model it here.

Coverage type

Annual contribution

2026 limit: $4,400. Add $1,000 catch-up if 55+.

Marginal federal rate

Years until use

yrs

Expected annual growth

First-year tax savings

$1,056

Contribution used

$4,400

Projected balance

$193,007

Years compounded

This calculator provides general projections only and is not individualized tax or legal advice. Consult a qualified CPA for your specific situation.