HSA 2026 Calculators
See how your HSA can work for you with calculators that estimate savings,
track progress, and plan contributions.
HSA Tax Savings Calculator
How to use the Calculator
Estimate your potential tax savings by entering your expected HSA contribution, federal and state tax rates, and payroll details. This calculator shows how much you keep in your pocket when you fund your account with pre-tax dollars.
Federal Tax Rate:
Use your marginal tax rate — the rate applied to your highest dollar of income — rather than your average rate.
Not sure of your bracket? Most Americans fall somewhere between 22% and 24% — that is a reasonable estimate to start with. For your exact rate, check your most recent tax return or IRS.gov. ​
State Tax Rate:
Most states allow an HSA deduction and provide a tax break on contributions, but a handful do not — California and New Jersey do not recognize HSAs for state tax purposes (as of May 2026), meaning contributions are not deductible at the state level. If you live in one of these states, enter 0% for the state rate to see your accurate federal-only savings.
FICA Savings:
FICA applies to most employees — if you contribute to your HSA through payroll deductions at work, select "Include FICA savings" to account for the additional 7.65% tax relief. This does not apply if you are self-employed, retired, or contributing directly to your HSA outside of payroll.
Results from this calculator are estimates only and are intended for informational purposes. They do not constitute tax, financial, or legal advice. Tax savings will vary based on your individual tax situation, filing status, state of residence, and contribution method. Always consult a qualified tax professional for advice specific to your circumstances.
HSA Contribution Per Paycheck Calculator
How to use the Calculator
Use this calculator to determine the exact payroll deduction needed to reach your annual HSA contribution goal. It helps you factor in contributions you and your employer have already made, ensuring you stay on track without exceeding annual limits.
Results from this calculator are estimates only and are intended for informational purposes. They do not constitute tax, financial, or legal advice. Tax savings will vary based on your individual tax situation, filing status, state of residence, and contribution method. Always consult a qualified tax professional for advice specific to your circumstances.
HSA Investment Growth Calculator
How to use the Calculator
This calculator shows how an investment grows over time using compound interest. Enter a starting balance, how much you plan to contribute each year, your timeline, and an expected rate of return
Not sure what expected rate of return to use? The S&P 500 has historically averaged 7–10% annually after inflation. A conservative estimate is 6–7%. A moderate estimate is 8–10%.
Results from this calculator are estimates only and are intended for informational purposes. They do not constitute tax, financial, or legal advice. Tax savings will vary based on your individual tax situation, filing status, state of residence, and contribution method. Always consult a qualified tax professional for advice specific to your circumstances.
HSA Investment Growth Calculator
HSA Compared to a Taxable Brokerage Account
How to use the Calculator
Use this calculator to visualize the long-term wealth-building power of your HSA. By comparing the potential growth of an HSA against a standard taxable brokerage account, you can see how the triple-tax advantage—tax-free contributions, tax-free growth, and tax-free withdrawals for qualified expenses—can significantly impact your future balance.
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To get the best results, enter your annual contribution amount, your current HSA balance, and the number of years you plan to let the funds grow. Input a realistic annual return rate (the calculator uses 7% as a baseline, reflecting historical market averages) and your marginal tax rate (most Americans' marginal rate is 22-24%) to accurately project how much more you could have in your HSA compared to a traditional savings or investment account.
Results from this calculator are estimates only and are intended for informational purposes. They do not constitute tax, financial, or legal advice. Tax savings will vary based on your individual tax situation, filing status, state of residence, and contribution method. Always consult a qualified tax professional for advice specific to your circumstances.