Triple Tax Advantage
HSA
Calculator
2025 Self Limit
$4,300
Family Limit
$8,550
Calculate how much you save in taxes by contributing to a Health Savings Account, how employer matches boost your balance, and what your HSA could be worth if you invest it over time. The only account with triple tax benefits: tax-deductible in, tax-free growth, tax-free withdrawals for medical expenses.
Your HSA Details
Investment Growth
Projected HSA Balance
$0
Total Contributed
$0
Investment Growth
$0
Your Contribution
$0
2025 Limit
$0
Employer Match
$0
Federal Tax Saved
$0
FICA Saved
$0
Total Annual Savings
$0
Effective cost after tax savings
Total into HSA: $0 — Your real cost: $0
How the HSA calculator works
Enter your salary, monthly HSA contribution and employer match. The calculator determines your marginal federal tax rate and calculates how much you save in income tax and FICA (Social Security + Medicare) by contributing pre-tax dollars. It then projects your balance forward based on the investment return rate you select.
The HSA is the only account in the US tax code with triple tax advantages: contributions reduce your taxable income (like a 401(k)), growth is completely tax-free (like a Roth IRA), and withdrawals for qualified medical expenses are also tax-free. No other account offers all three benefits.
If you don't spend your HSA on medical costs now, it rolls over indefinitely and can be invested in index funds. After age 65, you can withdraw for any purpose (taxed like a traditional IRA) or continue using it tax-free for medical expenses. For retirement planning alongside your HSA, use our retirement calculator or 401(k) calculator.
Frequently asked questions
What is the HSA contribution limit for 2025?
$4,300 for self-only coverage and $8,550 for family coverage. If you're 55 or older, add $1,000 catch-up. These limits include both your contributions and employer match.
How much tax do you save with an HSA?
You save your marginal federal tax rate (10-37%) plus FICA (7.65%) on every dollar contributed. A family maxing out at $8,550 in the 22% bracket saves roughly $2,534 per year in federal tax and FICA alone.
Can you invest your HSA money?
Yes. Most HSA providers let you invest once you reach a minimum cash threshold ($1,000-2,000). Growth is tax-free, and withdrawals for qualified medical expenses are also tax-free. This triple tax benefit makes the HSA uniquely powerful for long-term wealth building.