HSA Calculator

What will your HSA be worth, and what does it save you now?

Your current age yrs

Age you'll start drawing on it yrs

Current HSA balance$

Your annual contribution$

Employer's annual contribution$

Expected annual return%

Your marginal tax rate%

Assumed inflation%

Balance at age 65

Total contributed

Tax saved this year

Inflation-adjusted balance

in today's money

Contributions, growth, and qualified withdrawals are all untaxed - the "triple tax advantage" that makes an HSA worth maxing before most other accounts if you have access to one. Tax saved is estimated at your stated marginal rate on your own contribution only (payroll contributions also skip FICA, a further saving not included here); cumulative figure assumes the same rate and contribution every year, which real tax brackets and raises will change over time.