HSA Investment Growth Calculator
Project the tax-free growth of your Health Savings Account. Calculate triple tax advantages, contribution limits, and long-term investment returns.
2026 contribution limit: $4,300 (age 55+ can add $1,000 catch-up)
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Year-by-Year Growth
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Frequently Asked Questions
What is the triple tax advantage of an HSA?▾
HSA contributions are tax-deductible, investment growth is tax-free, and withdrawals for qualified medical expenses are tax-free. This makes HSAs one of the most tax-efficient savings vehicles available.
What are the HSA contribution limits?▾
For 2026, the limits are $4,300 for individual coverage and $8,550 for family coverage. Those 55 and older can contribute an additional $1,000 catch-up contribution.
Can I invest my HSA funds in the stock market?▾
Yes. Many HSA providers allow you to invest funds above a minimum cash threshold in mutual funds, index funds, and other investments, similar to a 401(k) or IRA.
Is my financial data safe?▾
Yes. All calculations happen entirely in your browser. No data is ever sent to a server.