Insurance Calculators
HSA Contribution Calculator
Project a health savings account balance and the tax saved by contributing pre-tax each year.
Projected balance
$91,775
- Total tax saved
- $15,480
- Total contributed
- $64,500
- Investment growth
- $33,275
Yr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10Yr 11Yr 12Yr 13Yr 14Yr 15
How this calculator works
Balance grows at the expected return each year after contributions and withdrawals
- tax saved
- contributions multiplied by your marginal rate
Important considerations
- HSAs require an eligible high-deductible health plan.
- Non-medical withdrawals before retirement age are penalised.
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Learn more
Terms used here
Frequently asked questions
Why is an HSA described as triple tax advantaged?
Contributions are pre-tax, growth is untaxed, and qualified medical withdrawals are tax free.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01