HSA Calculator: Contribution & Retirement Growth Tool

HSA Calculator

HSA contribution and growth calculator graphic showing a calculator, medical symbols, savings jar, and upward chart illustrating how Health Savings Accounts can grow as part of a retirement strategy.

RetireCoast Calculator

HSA Contribution & Growth Calculator

Estimate how Health Savings Account (HSA) contributions can reduce taxes today and grow into a powerful retirement resource.

Inputs

Coverage Type Your Age Years Until Retirement Your Planned Annual HSA Contribution ($) Tip: Use the maximum allowed for best tax efficiency. Expected Annual Return (%) Federal Tax Rate (%) State Tax Rate (%) Include FICA Savings? FICA Rate (%) Many employer payroll HSAs avoid FICA; IRA-style contributions generally don’t. Estimated Annual Qualified Medical Spending in Retirement ($) (optional)

Limits update periodically. Confirm current IRS limits.

Results

Allowed Max Contribution (Estimated)

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Tax Savings This Year (Estimated)

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Projected HSA Balance at Retirement

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Total Contributions Over Time

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Estimated Years HSA Could Cover Medical Spending

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Based on your retirement medical spend input.

Simple Takeaway

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Note: This calculator is educational. It does not account for investment fees, changing tax rates, inflation, or IRS limit updates. Consider professional guidance for decisions.

Want to explore more tools like this? Visit our RetireCoast Calculators Hub for additional retirement calculators, including savings tools for 401(k), Roth IRA, and other tax-advantaged retirement accounts.

Contribution limits and rules can change. To confirm the most current guidance on Health Savings Accounts (HSA), visit the IRS directly here: IRS HSA Rules & Guidance .

For deeper insight, don’t miss our retirement-focused articles, including:

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HSA Calculator

HSA Contribution & Growth Calculator

Inputs

Results

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William Anderson

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