Your HSA assumptions
Use annual contributions, your marginal tax rates, years until age 65, and an assumed investment return. The calculator compares HSA growth to spending from the account now or using a taxable account instead.
Estimate how much your HSA saves in taxes this year, what recurring contributions could grow to by age 65, and how much more retirement value you may keep by investing the account instead of spending it as you go.
Use annual contributions, your marginal tax rates, years until age 65, and an assumed investment return. The calculator compares HSA growth to spending from the account now or using a taxable account instead.
If this year's HSA contribution gets spent on current medical costs, that contribution no longer compounds for retirement.
If you pay medical costs from cash flow or a taxable account and keep receipts, the HSA can keep compounding tax-free.
Get the HSA + FSA Optimizer for eligibility rules, contribution limit guides, investing walkthroughs, reimbursement systems, and benefits strategy worksheets.
See the HSA + FSA Optimizer