HSA Growth Calculator
Enter current HSA balance, monthly contribution, return rate, and years. See projected balance. Growth is tax-free when used for qualified expenses.
HSA growth
Enter values to calculate.
How it works
Future value of current balance (lump sum) + future value of monthly contributions (annuity). Same math as 401k; HSA has triple tax advantage.
When to use it
Use it to project HSA at retirement or to see impact of maxing contributions.
Frequently asked questions
Contribution limits?
Check IRS for current limits. 50+ can make catch-up contributions.
Use for non-health?
After 65, non-qualified withdrawals are taxable like an IRA; no penalty.