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HSA Calculator

See how a health savings account can grow when you invest it for the long term. Project your balance and tax-free growth to retirement, check the 2026 contribution limits, and estimate the tax you save on every dollar you contribute.

Project your HSA growth

Projected HSA balance

$357,916

At age 65, in 30 years.

Tax-free investment growth

$235,916

Earnings that are never taxed when used for medical costs.

2026 contribution limit$4,400
Total you contribute$137,000
Spent on medical costs along the way$15,000
Estimated tax savings on contributions$31,680

An HSA requires an HSA-eligible high-deductible health plan. Constant returns and contributions are assumptions, not guarantees. The tax-savings figure is an estimate from your marginal rate; withdrawals are tax-free only for qualified medical expenses. Confirm current limits and rules in IRS Publication 969.

How the projection works

Each year the calculator adds your contribution, grows the balance at your assumed return, and subtracts any amount you withdraw for current medical costs. Because HSA earnings are never taxed when used for qualified medical expenses, the growth line is all yours. The tax-savings figure estimates the value of the contribution deduction at your marginal rate. For 2026, the contribution limit is $4,400 for self-only coverage and $8,750 for family coverage, with an extra $1,000 allowed at age 55 or older.