Calculator · Stage 1
HSA Long-Term Compounding Calculator
Model the value of investing your HSA balance and paying medical expenses out of pocket. Compare HSA to taxable account to see the triple-tax advantage in dollars.
Educational tool only. Verify HSA contribution limits at IRS.gov each year.
HSA Inputs
2026 family limit: $8,750. Single: $4,400.
Receipts saved for future reimbursement.
Tax Rates
HSA Ending Value
HSA ending balance—
Total receipt bank (reimbursable)—
Available for non-medical (age 65+)—
HSA vs Taxable Account Comparison
Same annual investment amount after tax. Taxable account pays dividend drag + LTCG on exit.
HSA (triple tax-free) —
Taxable account (after exit tax) —
HSA advantage —
Annual Contribution Tax Savings
Tax saved per year (deduction)—
Total tax saved over period—
Assumptions
· HSA: contributions grow tax-free, withdrawals for medical are tax-free
· Taxable: after-tax contribution (reduced by marginal rate), 0.25% annual drag, LTCG on exit
· Receipt bank: out-of-pocket medical receipts saved for future reimbursement
· No state tax modeled · NIIT not included