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Calculate HSA tax savings and project your balance if invested over time.
HSA Contribution Calculator 2026 calculates annual tax savings (contribution × marginal rate), projects HSA balance using the compound growth formula after subtracting expected medical expenses each year, and shows the triple-tax benefit advantage over a standard savings account.
Calculate your annual HSA tax savings and project your balance if invested. See the triple-tax advantage: contributions are pre-tax, growth is tax-free, and withdrawals for medical expenses are tax-free. Based on 2026 IRS limits ($4,300 self / $8,550 family).
Enter your age and whether you have self-only or family coverage
Set your annual contribution (up to the 2026 IRS limit)
Input your marginal federal tax rate
Add your expected annual medical expenses to see net growth
Tax savings = annual contribution × (marginal rate / 100). Projected balance: each year, balance grows by return rate after adding contributions and subtracting expected medical expenses. 2026 IRS limits: $4,300 self-only, $8,550 family, $1,000 age-55+ catch-up. After age 65, non-medical withdrawals are taxed at ordinary income rates but incur no penalty.
For 2026, the HSA contribution limit is $4,300 for self-only coverage and $8,550 for family coverage. If you're 55 or older, you can add a $1,000 catch-up contribution.
HSA contributions reduce your taxable income (pre-tax), earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. No other account has all three benefits.
Yes. Most HSA providers allow you to invest funds above a minimum threshold (often $1,000–$2,000) in mutual funds or ETFs. Long-term HSA investing for retirement healthcare is a powerful wealth-building strategy.
After 65, you can withdraw HSA funds for any purpose (not just medical) without penalty — just pay ordinary income tax, similar to a Traditional IRA. For medical expenses, withdrawals remain completely tax-free.
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