HSA Calculator
See how much you'll save with an HSA-eligible high deductible health plan. Calculate tax savings, compare plan costs, and find your break-even point — all based on 2026 IRS limits.
2026 IRS limits
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Instant results
Your Information
55+ qualifies for catch-up contributions
Financial Details
Annual amount your employer contributes
Your total out-of-pocket medical costs this year
2026 min: $1,650 (self) / $3,300 (family)
How much less HDHP costs per month
Fill in your details and click "Calculate My Savings" to see your personalized HSA analysis.
💡 The HSA Triple Tax Advantage
1
Tax-free contributions
Money you put into your HSA reduces your taxable income. If you contribute through payroll, you also skip FICA taxes (7.65%) — something a 401(k) can't do.
2
Tax-free growth
Investments inside your HSA grow without any capital gains or dividend taxes. Over decades, this compounds into a powerful retirement health fund.
3
Tax-free withdrawals
When you use HSA funds for qualified medical expenses — at any age — you pay zero taxes. After 65, you can use it for anything (like a traditional IRA).
Assumptions & Disclaimers: This calculator uses 2026 IRS contribution limits ($4,300 self-only, $8,550 family; +$1,000 catch-up for 55+). FICA savings assume payroll deduction at 7.65%. Tax savings are estimates — your actual savings depend on your complete tax situation. This is not tax advice. Consult a tax professional for personalized guidance.