HSA Calculator

Project the growth of your Health Savings Account and see the full triple-tax advantage over time.

HSA Details

$
$

2024 limit: $4,150 individual / $8,300 family

$
$

Amount withdrawn for qualified expenses.

%
yr
%

Your federal + state income tax rate.

📊 Results
HSA Balance at End
After investment growth
Total Contributions
You + employer
Tax Savings (Contributions)
Pre-tax benefit
Investment Growth
Tax-free gains
HSA Balance vs. Taxable Account Equivalent
HSA Balance
Taxable Account (after tax drag)

* HSA offers triple tax advantage: contributions are pre-tax, growth is tax-free, qualified withdrawals are tax-free. Taxable comparison assumes same after-tax contributions with annual tax drag on gains.