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HSA (Health Savings Account) Calculator

FREE

Maximize the triple tax advantage: deductible contributions, tax-free growth, tax-free medical withdrawals

Investment & Retirement

Inputs

Enter your information

Current Situation

Current amount in your HSA

Contributions & Taxes

2026 max: $8,300 family / $4,150 individual + $1,000 catch-up (50+)

Federal + State (e.g., 35 for 35%)

Annual return on invested HSA funds (e.g., 7 for 7%)

Medical Expenses

Medical expenses you pay from HSA now (out-of-pocket costs)

Typical retiree: $6,000-$15,000/year (Medicare + out-of-pocket)

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

  • 1Enter your current HSA balance, contribution amount, and tax rate
  • 2Calculator shows annual tax savings and lifetime tax benefit
  • 3See how HSA compares to a taxable account for medical expenses
  • 4Projections show years of retirement medical expenses covered
  • 5Get personalized recommendations to maximize HSA benefits

⚡Unlock Pro Features

  • ✓Upload medical bills - AI categorizes and tracks HSA-eligible expenses
  • ✓Upload HSA statement - AI auto-fills current balance
  • ✓Ask AI Copilot: "Should I pay medical bills out-of-pocket or from HSA?"
  • ✓Optimize contribution timing based on income fluctuations
  • ✓Track receipts for tax-free reimbursement later (keep receipts forever!)
  • ✓Compare HSA vs PPO vs HDHP total costs for your situation
  • ✓Estimate future medical expenses based on specialty and age
  • ✓Export HSA transaction history for tax preparation
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