HSA Growth Calculator

See how the triple tax advantage makes your HSA the ultimate retirement account

Your HSA Details

Individual

$4,300/year (2026)

Family

$8,550/year (2026)

You cannot contribute to HSA after enrolling in Medicare (typically age 65)
Your current HSA account balance
Max for family: $8,550 (2026)
Age 55+ can contribute an additional $1,000 per year
Historical stock market average: 7-10%
When you plan to start using your HSA for medical expenses
Federal tax bracket (2026: 10%, 12%, 22%, 24%, 32%, 35%, 37%)
For reimbursement strategy calculation (leave 0 if investing fully)

Your HSA Value at Retirement

$0

HSA (Triple Tax-Free)

$0

Tax-free in, growth, and out

Roth IRA (Tax-Free Out)

$0

After-tax contributions

401(k) (Tax-Deferred)

$0

Taxed at withdrawal

Taxable Brokerage

$0

Capital gains taxes

💰 Total Tax Savings vs Traditional 401(k)

$0

Breakdown

Total Contributions $0
Investment Growth $0
Years of Contributions 0
Upfront Tax Savings (Total) $0

📚 Learn More About HSA Strategy

Want to understand how to maximize your HSA as a retirement vehicle? Read our comprehensive guide on the triple tax advantage.

Read the Full Article →