HSA Calculator
Project Health Savings Account growth and tax savings within the 2026 contribution limits.
About the HSA Calculator
Choose self-only or family coverage, whether you're 55 or older, your yearly and employer contributions, your tax rate, the expected return and years. The calculator gives the projected balance and the tax you save.
With a high-deductible health plan you can contribute to an HSA: for 2026 up to $4,400 for self-only coverage or $8,750 for family coverage, plus $1,000 if you're 55 or older (IRS Rev. Proc. 2025-19). Employer contributions count toward the limit. Contributions are tax-deductible (and free of FICA through payroll), growth is tax-free and qualified medical withdrawals are tax-free.
The formula
Balance = Σ yearly contributions grown at the return
Worked example
Self-only, $4,400 a year (the 2026 limit), 30% tax rate, 6% return, 20 years
- Tax saved: about $1,320 a year
- Balance after 20 years: about $171,568
- Tax-free if spent on qualified medical costs
Questions people ask
Does the money expire?
No, unlike an FSA it rolls over and stays yours.
Can I use HSA money for non-medical costs?
Yes, but before 65 you pay income tax plus a 20% penalty on it. After 65 you pay only income tax, as with a traditional IRA.
Sources
The rules and rates this calculator uses come from the official pages below. Its results are estimates, not an official determination, and rules change, so check the latest figures there before you act on them.