Free Calculator
HSA Triple-Tax-Advantage Calculator
Enter contribution, tax bracket, growth assumption, and horizon. Shows tax-free HSA growth in each scenario and which strategy wins over the chosen years.
Upfront tax deduction saved
$25800
Cash paid out of pocket
$50000
HSA value — invest full
$291009
HSA value — spend now
$155656
Net long-run winner
Pay medical from cash flow, invest HSA