Annual Tax Savings
$720.00
US Health Savings Account Calculator
Estimate tax savings and growth of HSA contributions.
Projected HSA Balance
$50,311.57
Total Annual Contribution
$4,000.00
Total Contributed
$40,000.00
Total Tax Savings
$7,200.00
HSA contributions are pre-tax (or tax-deductible), grow tax-free, and withdrawals for qualified medical expenses are tax-free.
How to use the US Health Savings Account Calculator
The US Health Savings Account Calculator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.
The inputs it asks for:
- Your Annual Contribution — a dollar amount.
- Employer Contribution — a dollar amount.
- Marginal Tax Rate — a percentage (enter 6 for 6%).
- Expected Annual Return — a percentage (enter 6 for 6%).
- Years — a number.
Worked example
Using the example values — Your Annual Contribution $3,000.00, Employer Contribution $1,000.00, Marginal Tax Rate 24%, Expected Annual Return 5%, Years 10 — the US Health Savings Account Calculator returns a Projected HSA Balance of $50,311.57. It also reports Annual Tax Savings ($720.00), Total Annual Contribution ($4,000.00), Total Contributed ($40,000.00).
Prefer your own numbers? Change any field above and this recomputes instantly.