HSA Calculator — Calculate Health Savings Account Growth & Projections

HSA Calculator

Plan your healthcare savings with our Health Savings Account calculator. Project HSA growth based on contributions, investment returns, and estimated healthcare expenses.

Step 1: HSA Details

$3,650
$1,000
10

HSA Contribution Limits

For 2023, HSA contribution limits are $3,850 for individuals and $7,750 for families. Those 55+ can contribute an additional $1,000 catch-up contribution.

Step 2: Investment & Expenses

$1,500
4.5%

About HSA Investments

HSAs can be invested in mutual funds, ETFs, and other securities once your balance reaches a minimum threshold, typically $1,000-$2,000.

HSA Projection Results

Summary
Investment Comparison
Year-by-Year

Projected HSA Balance in 10 Years

$58,420
Based on $4,650 annual contributions with 5% annual return
Total Contributions
$46,500
Investment Growth
$11,920
Total Withdrawals
$15,000
Tax Savings (25% bracket)
$11,625

Investment Option Comparison

Investment Strategy Annual Return Projected Balance Total Growth

Year-by-Year Projection

HSA Benefits

Triple Tax Advantage

HSAs offer triple tax benefits: 1) Contributions are tax-deductible, 2) Earnings grow tax-free, 3) Withdrawals for qualified medical expenses are tax-free.

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