HSA Growth Calculator
An HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical costs. Project how big yours can get.
HSA providers that let you invest the balance
Learn moreThe stealth retirement account
Because an HSA is never taxed on the way in, while invested, or on the way out for medical expenses, many savers treat it as a stealth retirement account: pay current medical bills out of pocket, invest the HSA, and let it compound for decades.
How it’s calculated & sources
We grow the current balance and add your contribution plus any employer contribution each year at the expected return. The taxes-avoided figure applies a 22% rate to the growth as an illustration.
Benchmark: HSAs are triple-tax-advantaged; 2025 contribution limits are $4,300 self-only and $8,550 family, +$1,000 catch-up at 55+ (IRS).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
Starting at $3,000 and adding $4,800/year for 20 years at 6% grows to about $190,000, of which roughly $90,000 is tax-free growth.
Frequently asked questions
Do I have to spend it each year?
No — unlike an FSA, HSA balances roll over and stay invested indefinitely. That’s what makes long-term growth possible.
What can I use it for?
Qualified medical expenses any time, tax-free. After 65 you can withdraw for anything (taxed like an IRA), so it never goes to waste.