What are the 2026 HSA contribution limits?

$4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up for age 55+. Employer contributions count toward the limit.

Why is an HSA called triple-tax-advantaged?

Contributions are pre-tax, investment growth is tax-free, and withdrawals for qualified medical expenses are tax-free.

How are tax savings estimated?

Your own contributions × your tax rate. Payroll contributions also avoid FICA, so include 7.65% if you contribute through payroll.

When are withdrawals applied?

Each year, growth and contributions are added first, then the year’s medical withdrawals are subtracted.

Yes. Everything runs in your browser.

HSA Savings Growth Calculator

Project health savings account (HSA) growth from contributions, employer deposits, investment returns and medical withdrawals, plus estimated tax savings.

100% free
Private in browser
No signup
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Current HSA balance ($)

Your contribution per year ($)2026 limit: $4,400 self-only / $8,750 family (incl. employer)

Employer contribution per year ($)

Expected annual return (%)

Medical withdrawals per year ($)

Years

Income tax + FICA rate on contributions (%)

Projected balance

$141,106.69

Total contributions

$88,000.00

Total medical withdrawals

$20,000.00

Investment growth

$68,106.69

Tax saved on your contributions

$23,127.00

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About HSA Savings Growth Calculator

An HSA is triple-tax-advantaged: pre-tax contributions, tax-free growth and tax-free medical withdrawals. Enter your balance, yearly contributions, expected return, withdrawals and tax rate to project the account and your tax savings.

How to use HSA Savings Growth Calculator

Enter your current HSA balance and yearly contributions from you and your employer.
Set an expected investment return and typical medical withdrawals per year.
Choose the number of years and your tax rate to see the projection and tax savings.

Key features

Employee and employer contributions
Investment growth with annual withdrawals
Estimated tax savings on contributions
Up to 60-year projections
Private in-browser calculation

Frequently asked questions

What are the 2026 HSA contribution limits?: $4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up for age 55+. Employer contributions count toward the limit.
Why is an HSA called triple-tax-advantaged?: Contributions are pre-tax, investment growth is tax-free, and withdrawals for qualified medical expenses are tax-free.
How are tax savings estimated?: Your own contributions × your tax rate. Payroll contributions also avoid FICA, so include 7.65% if you contribute through payroll.
When are withdrawals applied?: Each year, growth and contributions are added first, then the year’s medical withdrawals are subtracted.
Is my data private?: Yes. Everything runs in your browser.

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