HSA Calculator
Calculate your potential tax savings with a Health Savings Account. See how HSA contributions reduce your taxable income and grow tax-free over time.
Frequently Asked Questions
What are the HSA contribution limits for 2026?
For 2026, HSA contribution limits are $4,300 for individual coverage and $8,550 for family coverage. If you are 55 or older, you can contribute an additional $1,000 catch-up contribution.
What is the triple tax advantage of an HSA?
HSAs offer three tax benefits: contributions are tax-deductible (reducing your taxable income), growth is tax-free (interest, dividends, and capital gains are not taxed), and withdrawals for qualified medical expenses are tax-free.
Can I invest my HSA funds?
Yes. Most HSA providers allow you to invest funds beyond a minimum cash balance. HSA investments grow tax-free, making them one of the most powerful tax-advantaged accounts available. Many financial advisors recommend maximizing HSA contributions before other investment accounts.