HSA Calculator
Project a health savings account balance from today’s amount, annual contributions, years to grow, and an assumed return — optional age note for planning context. Contribution limits are not enforced. Click any i for detail.
HSA growth inputs
Current HSA balance ($)
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Current balance
What is in the HSA today (cash + investments). |
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Annual contribution ($)
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Annual contribution
Employee + employer contributions you expect in a typical year. Limits are not enforced here. |
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Years to grow
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Years
Years until you expect to spend or stop this contribution pattern. |
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Expected return (%)
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Expected return
Average annual return on invested HSA funds (cash HSAs may be near 0). |
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Current age (optional)
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Age
Used only to show projected age at the end of the growth window. |
How to use this calculator
- Enter today’s HSA balance.
- Add planned annual contributions (limits not checked).
- Set years and expected return.
- Optionally enter age for an end-age note.
Results explained
The headline is a future HSA balance sketch. Annual IRS contribution limits, HDHP eligibility, and medical spending are not enforced or subtracted.
Quick reference: HSA growth
Triple-tax-advantage accounts still need real eligibility rules.
| Item | Detail |
|---|---|
| Monthly add | Annual contribution ÷ 12 |
| Growth | Compounds monthly from assumed return |
| Not modeled | Annual limits, catch-up 55+, qualified distributions, state tax |
Compare other tax-advantaged savings with the Roth IRA calculator or 529 calculator.
How the estimate is built
Each month the balance grows by the equivalent monthly rate from your return %, then one-twelfth of the annual contribution is added. Repeat for years × 12. Contribution limits are intentionally not enforced.
Example scenario
$8,000 balance plus $4,150/year at 5% for 15 years projects a solid five-figure medical nest egg — useful if you invest the HSA and pay current care out of pocket.
FAQ
Are contribution limits enforced here?
No. IRS HSA limits change by year and coverage type (self-only vs family). Confirm current limits before contributing.
Who can contribute to an HSA?
Generally you need a qualifying high-deductible health plan and no disqualifying coverage. Eligibility is not checked on this page.
Investment vs cash HSA?
Many HSAs offer mutual funds above a cash threshold. Use a lower return if you keep the balance in cash.
Qualified medical expenses?
Withdrawals for qualified medical expenses can be tax-free. Non-qualified withdrawals have tax consequences — not modeled here.