HSA Growth Calculator
An HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical costs. Project how big yours can get.
Example: with Current HSA balance $3,000 · Your annual contribution $4,400 · Employer contribution / year $500 · Years to grow 20 yrs → Projected HSA balance: $189,871.
- Total contributed$101,000
- Tax-free growth$88,871
- Est. taxes avoided on growth$19,552
Computed by the calculator below using its default values. Change any input to see your own numbers.
HSA providers that let you invest the balance
Learn moreThe stealth retirement account
Because an HSA is never taxed on the way in, while invested, or on the way out for medical expenses, many savers treat it as a stealth retirement account: pay current medical bills out of pocket, invest the HSA, and let it compound for decades.
How it’s calculated & sources
We grow the current balance and add your contribution plus any employer contribution each year at the expected return. The taxes-avoided figure applies a 22% rate to the growth as an illustration.
Benchmark: HSAs are triple-tax-advantaged; 2026 contribution limits are $4,400 self-only and $8,750 family, +$1,000 catch-up at 55+ (IRS).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Frequently asked questions
Do I have to spend it each year?
No — unlike an FSA, HSA balances roll over and stay invested indefinitely. That’s what makes long-term growth possible.
What can I use it for?
Qualified medical expenses any time, tax-free. After 65 you can withdraw for anything (taxed like an IRA), so it never goes to waste.