See how much the HSA triple tax advantage saves you vs. any other account
🏆 Triple Tax Advantage: Tax-deductible contributions → Tax-free growth → Tax-free withdrawals for medical expenses. No other account in the US tax code matches this.
What is this? The HSA is the most tax-advantaged account in America — but most people use it wrong. They spend HSA funds on current medical expenses instead of investing it. This calculator shows the enormous difference: spending HSA funds on medical costs vs. investing them for 20+ years can mean the difference between $50,000 and $500,000.
Who it's for: Anyone with a high-deductible health plan (HDHP). If your employer offers an HSA-eligible plan, this calculator reveals why maxing your HSA is often better than maxing your 401(k).
2026 HSA Contribution Limits
Self-Only HDHP
$4,300
individual coverage
Family HDHP
$8,550
family coverage
55+ Catch-Up
+$1,000
extra if 55 or older
2026 limits: Self-only = $4,300, family = $8,550. Both include the $1,000 catch-up for age 55+. IRS rules: you must be covered by an HDHP to contribute.
Your Situation
HDHP vs Regular Health Plan Comparison
Strategy comparison: Compare the net cost of an HDHP + HSA vs. a traditional plan. The premium difference (saved money) can fund your HSA.
Your HSA at Age 60
HSA Balance
—
tax-free growth
Total Contributions
—
you + employer
Tax-Free Investment Gains
—
never taxed
Annual Tax Savings
—
fed + state deduction
Lifetime Tax Savings
—
over projection
Total HSA Benefit
—
tax savings + investment gains
Your HSA at Year 20
Contributions
Tax Savings
Investment Gains
Invest HSA vs. Spend HSA on Medical — The $500K Decision
Strategy
At Year 10
At Year 20
At Year 30
Key insight: If you pay current medical expenses from your regular budget instead of your HSA, and invest the HSA instead, the difference compounds dramatically. At 7% returns, money left in an HSA for 30 years grows 10x.
Year-by-Year HSA Growth
Year
Age
Contributions
Interest/Gains
HSA Balance
Cum. Tax Saved
HDHP + HSA vs. Traditional Plan — Net Cost Comparison
HDHP + HSA
Traditional Plan
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Estimates only. Tax rates and HSA rules may change. Consult a tax advisor for your specific situation. HSA funds used for non-medical expenses are taxed as ordinary income + 20% penalty.