Calculate HSA tax savings and long-term investment growth.
2025: $4,300 individual, $8,550 family
Remainder gets invested
Pre-tax + FICA savings
Invested: $3,300/yr
| Your Contribution | $4,300 |
| Employer Contribution | $500 |
| Annual Medical (paid from HSA) | $1,500 |
| Invested Annually | $3,300 |
| Annual Tax Savings | $1,404 |
| Total Tax Savings (20yr) | $28,079 |
| HSA Investment Value | $135,285 |
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Tax Savings = Annual Contribution × (Federal Rate + State Rate + 7.65% FICA)
HSA works like a Roth IRA for medical expenses — tax-free growth and withdrawal.
$4,150 for individual HDHP coverage, $8,300 for family coverage. $1,000 catch-up if age 55+. Contribute before April 15 tax deadline.
1) Contributions pre-tax (reduce taxable income). 2) Growth tax-free. 3) Withdrawals tax-free for qualified medical expenses. Better than any other account.
Yes — once your balance exceeds your provider's threshold (often $1,000-2,000), invest the rest in index funds. Long-term, treat your HSA as a retirement account.
After 65, withdraw for any purpose penalty-free (just pay income tax like a Traditional IRA). Or use tax-free for medical expenses. Very flexible in retirement.
Pay out-of-pocket now, save receipts, and reimburse yourself from HSA years later (no time limit). This lets HSA investments grow tax-free longer.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.