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
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 by funding your account with pre-tax dollars.
For the most accurate estimate, use your marginal tax rate—the rate applied to your highest dollar of income—rather than your average rate. If contributing through your employer, be sure to select "Include FICA savings" to account for the extra 7.65% tax relief on payroll contributions.
HSA Contribution Per Paycheck 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.
To get an accurate result, enter your total annual goal (like $4,400 for an individual or $8,750 for a family), subtract any personal contributions you’ve already made this year, and include the total amount your employer plans to contribute. Finally, enter the number of paychecks remaining in the year to see exactly what you need to set aside per pay period.
HSA Contribution Progress Calculator
Use this calculator to determine if you are on track to reach your annual HSA contribution goal. It helps you aggregate all funding sources—including personal contributions, employer contributions, and any planned one-time deposits—to ensure you maximize your savings while staying within the annual IRS limits.
To get an accurate result, enter your annual goal, the total amount you have already contributed personally, and the total your employer plans to contribute for the year. If you plan to make a separate, one-time lump-sum deposit later in the year, be sure to include it in the final field to see your complete progress toward your year-end target.
HSA Investment Growth 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.
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 to accurately project how much more you could have in your HSA compared to a traditional savings or investment account.