HSA Calculator — Embed | Budget Build Invest !

HSA details

HDHP coverage type

Your age (55+ adds $1,000 catch-up)

Your annual contribution

Employer contribution (counts toward limit)

Marginal tax rate (%)

Years invested / expected return (%)

2026 limits verified 2026-07-27 against IRS Rev. Proc. 2025-19

Projected HSA balance after 20 years

$171,568.00

Contributing $4,400.00/year at 6% — growth and qualified withdrawals are both tax-free

2026 contribution limit

$4,400.00

Annual tax savings

$1,056.00

Total contributed

$88,000.00

Tax-free growth

$83,568.00

HSAs are triple tax-advantaged: contributions are pre-tax, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. You must be enrolled in a qualifying high-deductible health plan (HDHP) to contribute.