HSA Growth Calculator

Model how your Health Savings Account could grow over time, how much of the future balance is your contributions vs investment growth, and the potential tax advantage compared to a regular taxable account.

HSA Setup

Current HSA balance

Your annual contribution

Employer annual contribution

Years to invest

Expected annual return

Contribution limits depend on year, coverage type (self / family), and age (catch-up rules after 55). This tool lets you experiment; you can wire official limits later.

Tax Assumptions

Blended marginal tax rate

Approximate combined federal + state rate used to estimate:
• upfront tax savings on HSA contributions
• tax bill on non-qualified withdrawals
• tax drag in a regular taxable account

Future HSA Value

Total future HSA value$181,740

From current balance (grown)$11,609

From your contributions$170,131

From employer contributions$0

Investment growth (all sources)$95,740

Contributions vs growth split of your future balance.

Tax Advantage Snapshot

Upfront tax savings from HSA contributions$19,920

Approx. after-tax value if saved in taxable account instead$120,660

Advantage of HSA (if used for qualified medical)$61,081

Tax bill if entire HSA used for non-qualified spending later$43,618

Qualified medical withdrawals from an HSA are typically tax-free. Non-qualified withdrawals before age 65 generally face tax and a penalty; after 65, they are taxed like traditional IRA withdrawals. This card uses your blended tax rate for a rough comparison only.

Quick Summary

• Over 20.0 years, you're planning to contribute roughly $86,000 in total (including your existing balance).
• At 7.0% annual returns, that could grow to about $181,740 in your HSA.
• Compared with saving the same dollars in a regular taxable account, using an HSA for qualified medical expenses could leave you with about $61,081 more after tax under these assumptions.