HSA Calculator
See how the triple tax advantage of an HSA compares to a regular brokerage account.

Contributions

years

Growth

%

Historical S&P 500: ~7-10%

Tax Rates

%

Your marginal tax bracket

%

0% in TX, FL, WA, etc.

%

Long-term: 0%, 15%, or 20%

HSA Final Balance
$193,006.78
Tax-free for medical expenses
Brokerage Final Balance
$129,396.71
After capital gains tax
After 20 years
HSA
$193,006.78
Brokerage
$129,396.71
HSA Tax Advantage
+$63,610.07
That's 49.2% more than a taxable brokerage account

Triple Tax Advantage Breakdown

1. Tax-Free Contributions+$23,760.00

Avoided 27% income tax on $88,000.00 contributed

2. Tax-Free Growth+$???

Avoid annual tax drag from dividends and rebalancing (not quantified)

3. Tax-Free Withdrawals+$15,751.02

No 15% capital gains tax on $105,006.78 in growth when used for medical expenses

Important Notes

  • • HSA contribution limits for 2026: $4,400 (individual) / $8,750 (family)
  • • Non-qualified withdrawals before 65 incur 20% penalty + income tax
  • • After 65, non-qualified withdrawals are taxed as income (no penalty)
  • • Must have a High Deductible Health Plan (HDHP) to contribute
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