HSA Calculator
Calculate your Health Savings Account growth with the triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses.
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The HSA Triple Tax Advantage
An HSA is the only account with three tax benefits: contributions are tax-deductible (like a Traditional IRA), investments grow tax-free (like a Roth IRA), and withdrawals for qualified medical expenses are tax-free. After age 65, you can withdraw for any purpose (taxed as income, like a Traditional IRA) — making it a stealth retirement account. The optimal strategy: contribute the max, invest the balance in index funds, pay medical expenses out-of-pocket now, and let the HSA grow for decades. At 65, use it for Medicare premiums and medical expenses tax-free, or as a supplemental retirement account. Compare with your 401K and Roth IRA.
2025 Contribution Limits
Self-only: $4,150. Family: $8,300. Age 55+ catch-up: additional $1,000.