🏥 HSA Calculator

An HSA calculator shows your health savings account tax savings and long-term growth. Enter your coverage type, contribution, tax rate, and investment horizon to see your annual tax break and projected tax-free balance — using the verified 2026 IRS limits of $4,400 self-only and $8,750 family.

🇺🇸 Calculating for United States

</> Embed🔒 Your data never leaves your device

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.

Affiliate disclosure: Some links may earn us a commission at no extra cost to you. Learn more

Frequently asked questions

What is the HSA contribution limit for 2026?▾

For 2026, the IRS limit is $4,400 for self-only HDHP coverage and $8,750 for family coverage (Rev. Proc. 2025-19). Account holders aged 55+ can add a $1,000 catch-up contribution. Employer contributions count toward the same limit.

Why is an HSA called triple tax-advantaged?▾

Three tax breaks stack: (1) contributions are pre-tax or deductible, (2) interest and investment growth are tax-free, and (3) withdrawals for qualified medical expenses are tax-free. No other US account offers all three.

Who qualifies to contribute to an HSA?▾

You must be covered by a qualifying high-deductible health plan (2026: minimum deductible $1,700 self-only / $3,400 family), have no other disqualifying coverage, not be enrolled in Medicare, and not be claimed as a dependent.

What happens to my HSA money if I don't spend it?▾

It stays yours forever — HSAs have no use-it-or-lose-it rule. Funds roll over year to year, move with you between jobs, and can be invested. After age 65, withdrawals for any purpose are penalty-free (taxed as ordinary income if non-medical).

Recommended services

YNAB (You Need A Budget)

Zero-based budgeting app that helps you gain control of your money.

Visit YNAB (You Need A Budget) ↗

TurboTax

Online tax filing software — easy step-by-step guidance for any tax situation.

Visit TurboTax ↗

Affiliate disclosure: Some links may earn us a commission at no extra cost to you. Learn more

Related tools

💊

FSA Calculator

Income, Paycheck & Tax

⚖️

HSA vs FSA

Decision Tools

📋

FSA Limits (2026)

Income, Paycheck & Tax

Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.