Say "hello" to the HSA (Health Savings Account)—it’s a simple way to convert time into healthcare dollars. Exponentially and untaxed. A head start on today’s and next decade’s health expenses. Just by chipping in a few dollars to your HSA every paycheck, $25 grows into $250, $25,000, or more. And the growth only accelerates. Launching your HSA just one year earlier or upping your monthly contribution by just $5 can pay thousands down the line.

HSA Savings Calculator

Discover how much money you can save with an HSA.

Enter your information below. Note: The HSA Savings Calculator should only
be used as a guide to measure hypothetical HSA tax savings and growth.


Tax Savings on HSA deposits earned


Future Value of Your Health Savings Account:


*Estimate of potential income tax savings from HSA contributions and earnings.

Disclaimer: HSA Future Value Calculator

This Health Savings Account (HSA) Future Value Calculator is provided for informational purposes only and is intended to assist users in estimating the future value of their HSA based on the information provided. The results generated by this calculator are estimates and may not reflect the actual future value of your HSA.

Important Considerations:

Rate of Return: The calculator uses an expected rate of return, which is provided by the user. Please note that actual investment returns can vary, and the rate of return is subject to market fluctuations.

Federal Tax Bracket: The calculator takes into account the user's self-reported federal tax bracket. Changes in tax laws or personal circumstances may affect your actual tax liability.

Health Expenses: The estimated future value is influenced by the expected health expenses entered by the user. Actual health expenses may differ, and unforeseen medical events can impact the accuracy of the estimate.

HSA Administrator's Cash Reserve: Some HSA administrators may require a cash reserve. Users should consult their HSA administrator for specific requirements.

Duration of Funding: The calculator considers the duration for which the user plans to fund their HSA. Changes in contribution levels or funding duration may affect the calculated future value.

Disclaimer of Warranty

This calculator is provided "as is" without any warranties, expressed or implied. The user assumes all risks associated with the use of this calculator. The calculator's results are based on the information provided and should not be considered financial advice.

Variability of Results

Actual results may vary from the estimates provided by this calculator and based on users input. Users are encouraged to consult with a qualified financial advisor and review their specific HSA plan details for a more accurate projection of their HSA's future value.

Not a Financial Recommendation

This calculator is not a recommendation to buy, sell, or hold any financial products. Users should conduct their own research and seek professional advice before making any financial decisions.

By using this calculator, you acknowledge and agree to the terms outlined in this disclaimer.