HSA Triple Tax Advantage Calculator

See the HSA's triple tax break in real, projected dollars

Enter your annual personal HSA contribution, any employer contribution, an expected return, a time horizon, and your marginal tax rate. This tool projects your HSA balance through tax-free compound growth, totals your immediate tax savings from deductible contributions, and — the part most calculators skip — shows exactly how many more dollars that beats putting the same money in a regular taxable account that's taxed going in and taxed on its growth.

• →Projects HSA balance through compound tax-free growth using future-value-of-annuity math
• →Totals your immediate tax savings from deducting personal contributions year over year
• →Compares against an equivalent taxable account — taxed on contribution AND on growth
• →Isolates the employer match separately so the tax-advantage comparison stays apples-to-apples
• →Watermarked by Cikal Studio Labs · Works on any device, no install required